From the rich map of China, which region has the most rich people?

In the bank report, they are called "high net worth people"; In the eyes of ordinary people, they are called "rich people in China".

Recently, China Construction Bank and Boston Consulting Group jointly released "China Wealth Report 20 12: Understanding Customer Needs and Committed to Scientific Development". The investigation scope of this report covers more than 900 high-net-worth customers with financial net assets of RMB 6 million or more randomly selected from 30 provinces, municipalities and autonomous regions in China.

Where are the rich people in China mainly distributed? 20 12 what investments did they mainly make? What is the source of wealth? What are their occupations? What's your education? Which countries do they mainly choose for overseas investment?

Beijing has the most rich people, while Ningxia and other four provinces have the least.

According to the report, in 20 12, the total private investable assets in China exceeded 73 trillion yuan, an increase of10/4% compared with 201. By the end of 20 12, it is estimated that the number of high-net-worth families (with investable assets of more than 6 million yuan) will reach1740,000, an increase of 17% compared with 2012009.

The high net worth families in China are mainly distributed in the economically developed areas along the southeast coast. Among them, the number of high-net-worth families in Beijing, Jiangsu, Shanghai, Zhejiang and Guangdong exceeded 65,438+million in 20 12, and the total number of high-net-worth families in these five provinces and cities accounted for more than 40% of the country. Sichuan is the inland province with the largest number of high-net-worth families, which is more prominent in the western region. Ningxia, Qinghai, Tibet and Hainan are the provinces with the least number of high-net-worth families.

Under the economic situation that the growth rate of high-net-worth families in China is slowing down, the growth rate of high-net-worth families in rich provinces and cities such as Beijing, Shanghai, Guangdong and Zhejiang is lower than the national average. Among them, the number of high-net-worth families in Guangdong and Zhejiang increased by less than10% due to the shrinkage of major assets of enterprises and the production and operation of owned enterprises; Shanxi, Inner Mongolia and other places are affected by the downturn in the coal industry, and the growth rate is relatively low. On the contrary, inland underdeveloped areas still maintain a high growth momentum, and the number of high-net-worth families in Anhui, Gansu and Hunan has increased by more than 30%; The growth rates of Sichuan, Hunan and Shaanxi also exceeded the national average.

By analyzing the number of high-net-worth families per 10,000 households in various provinces, it is found that Beijing, Shanghai, Tianjin, Guangdong and Zhejiang have the highest density of high-net-worth families, among which Beijing has more than 200 high-net-worth families per 10,000 households, which is the most concentrated area in China. Liaoning, Shanxi, Jiangsu, Fujian and Hainan are the second echelon, which is higher than the national average; Guizhou, Tibet, Henan and other places have the lowest proportion, with only about 20 high-net-worth families per 10,000 households.

Statistics of the rich: 1% unmarried.

According to the report, the richest people in China are mainly 40-49 years old, with a relatively balanced sex ratio of 1.27: 1, with a college education or above accounting for more than 60%. At the same time, only 1% of the rich in China are unmarried, and 99% are married. Most of them have children, accounting for 96%.

From the perspective of occupational distribution, most of them are business owners, accounting for 56%. Among them, 60% of enterprises are in a mature stage, the market is fully developed, and the income and profits are relatively stable.

The survey shows that high-net-worth customers regard freedom and security, material superiority and family happiness as the core definitions of wealth, which reflects the general requirements of the rich in China for quality of life. It is noteworthy that compared with 20 1 1 year, the demand of high-net-worth customers for noble social areas exceeds that of Yin Fu descendants.

In terms of wealth sources, the most important source of wealth is still the establishment of industries, accounting for 56% of all high-net-worth people. Others come from professional managers, full-time wives, professional technicians, professional investors, performing arts, sports, collections and other fields. Due to the factors of real estate regulation and control, compared with 20 1 1, the proportion of people who make profits by investing in real estate has obviously decreased. On the contrary, this group of people is mainly enterprise executives or professional and technical personnel who have been promoted to the second place because of the accumulation of wages and benefits. In terms of the source of new wealth in the future, high-tech and health care industries are the most optimistic.

In terms of investment preference, high net worth people are more interested in fixed income, trust and other products, but less interested in stocks and real estate.

In 20 12, the overall economic situation in China slowed down. Under this trend, high-net-worth people tend to invest in stable and low-risk products, and fixed-income and trust products are sought after by high-net-worth customers. More than 60% of the respondents expressed interest in investment.

In addition to fixed income products and trust products, other investment products are: savings and cash management products, real estate-related investments, and physical investments (artworks, antiques, etc.). ), stock products, insurance, private equity investment/venture capital, financial derivatives and any form of overseas investment. Among them, the respondents' interest rates of real estate and stocks in 20 1 1 year were 36% and 34% respectively, and dropped to 24% and 17% in 20 12 year.

From the perspective of personal investable assets structure, from 2009 to 20 1 1, the average annual compound growth rate of fund and stock net value decreased by 7% and 5% respectively, while the wealth management and trust assets of residents' banks grew rapidly, with the average annual compound growth rate of 78% and 60% respectively.

Preferred places for overseas investment: Hong Kong, the United States and Singapore.

20 12 China's assets of the rich are allocated overseas. The proportion of people with overseas assets reached 25%, an increase of 8 percentage points over 20 1 1. Rich people in China tend to buy real estate and stocks overseas. From the perspective of offshore financial penetration, the penetration rates in Sichuan, Guangdong and other regions are obviously higher than the market average. There are a large number of high-net-worth customers in Beijing, but relatively few people use offshore finance, which has great market potential.

In the choice of overseas destinations, Hong Kong, the United States and Canada are the main places for China high-net-worth customers to allocate overseas assets, and these three places have concentrated 60% of the overseas assets of high-net-worth customers.

In-depth comparison shows that high-net-worth customers choose Hong Kong, the United States and Switzerland as the driving factors for offshore financial management destinations. For immigrants and children studying abroad, the preservation and appreciation of assets is the primary consideration, and the core purpose of choosing Switzerland is to pay attention to the preservation and appreciation of assets, the security and privacy of assets.

Judging from the nationality distribution of high-net-worth clients, 6% of high-net-worth clients have emigrated, and most of them are still Chinese mainland citizens.

It is understood that immigration has become the favorite topic of high-net-worth clients in China, and many of them have sent their children abroad. Compared with offshore centers in Europe and America, Hong Kong and Singapore in the Asia-Pacific region have more advantages in culture and distance.

Hong Kong is the largest concentration of overseas assets of mainland high-net-worth families, and geographical proximity and language interoperability are important factors. On the other hand, the United States and Canada have become the second and third largest overseas wealth centers in China due to the needs of their children studying abroad and emigrating, but China customers are relatively unfamiliar with law and culture, which hinders their interest in asset allocation to some extent. For China customers, especially the "rich generation" such as private entrepreneurs, they lack the legal, political and cultural knowledge of European and American countries, which makes Hongkong and Singapore have more potential to serve China customers.

(Source: Network)