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调查显示 中国消费能力依然坚挺
Most Chinese consumers will continue to spend, this year despite slowing economic growth and market volatility, according to research by Boston Consulting Group.
根据波士顿咨询公司的一项调查显示,尽管今年的经济增长有所放缓,市场也有所波动,不过大多数中国消费者仍会继续消费。
About three-quarters of Chinese consumers plan to maintain or increase their spending in 2016, down slightly from 81 percent in 2015, according to the consumer sentiment survey conducted by the BCG Center for Customer Insight.
根据波士顿咨询中心进行的消费者情绪调查显示,2016年,约75%的中国消费者计划维持或提高消费水平,相比去年81%的比例有小幅下降。
The two principal drivers of growth are that consumers have more disposable income and they are willing to spend more, led by upper-middle-class and affluent households, younger consumers, and those employed in high-paying services, the survey pointed out.
该调查指出,消费增长的两个主要驱动因素是消费者拥有更多的可支配收入以及他们愿意进行更多消费。上层中产阶层和富裕家庭、年轻消费者以及高薪服务行业的从业者主导着这两个因素。
More than 40 percent of Chinese urban households are in the middle class and affluent (MAC) category.
超过40%的中国城镇家庭稳定处于中产阶层及富裕群体。
China's younger generation is growing quickly in both numbers and income. Those aged 18 to 30 years old will likely make up more than one-third of the urban population by 2020. Their consumption is growing at a 14 percent annual rate -- twice the pace of the "last generation," those older than 35. The young generation's share of total consumption is projected to increase from 45 percent to 53 percent by 2020.
中国年轻一代的人数和收入在快速增长。到2020年,18至30岁的年轻人口将占全部城镇人口的三分之一以上。年轻一代的年均消费增长率为14%--是上一代人,即年龄在35岁以上人群的两倍。到2020年,年轻一代在消费总额当中的占比预计将由目前的45%升至53%。
"Consumption in 2016 will be tantamount to consumers' moving from the fast lane to the middle lane on the economic highway. They are not pulling into the emergency lane," said Jeff Walters, a BCG partner who oversaw the research.
负责此次调查的BCG合伙人魏杰鸿说:“对于从经济快车道转向中速车道的消费者来说,2016年的消费总额将保持不变。消费者不会进行急剎车。”
Chinese consumers like to trade up, but the mix of objects of desire is undergoing some transition, the survey found.
调查发现,中国消费者想要升级消费,但他们想要购买的产品品类组合正发生着一些变化。
Infant and baby products, consumer electronics and financial services remain the top three that consumers are most likely to trade up. Personal care products, such as skin care and beauty, and travel and vacations are moving up the list, too. Cars and durable goods are moving down, perhaps indicating that consumers are postponing big-ticket purchases.
婴幼儿用品、消费电子产品和金融服务仍然是消费者最愿意升级消费的前三大品类。护肤品和美容产品等个人护理产品以及旅游度假产品的排名也正在上升。汽车和耐用品的排名有所下降,这或许表明消费者选择推迟高价品类的购买。
预计2020年中国高净值家庭数量将增至388万户
China will become one of the largest markets of high-net-worth individuals in the world, withthe number of high-net-worth families rising from 2.07m in 2015 to 3.88m at the end of 2020,according to a report released by Industrial Bank Co Ltd and the Boston Consulting Group.
兴业银行与波士顿咨询公司日前发布的一项报告显示,我国高净值家庭的数量将从2015年的207万户增至2020年年底的388万户,成为世界最大的高净值客群市场之一。
During the same period, China's personal investable assets will increase from 113 trillion yuan to200 trillion yuan at a compound annual growth rate of 12 percent.
同期,我国个人可投资资产将以12%的复合年均增长率由113万亿元增至200万亿元。
Despite the slowing Chinese economic growth, the wealth of high-net-worth individuals is risingsteadily, said the report.
报告指出,虽然中国经济增速趋缓,但高净值人群的财富正稳步增长。
It is estimated that the investable assets of China's high-net-worth individuals will account for51% of China's individual wealth in 2020, offering great opportunities for the development ofprivate banking business.
据估计,2020年,我国高净值人群可投资资产将占国内个人资产的51%,为私人银行业务的发展提供巨大的机遇。
"Chinese banks are increasingly turning toward capital-light activities and asset management,"said Chen Jinguang, vice-president of Industrial Bank. "During the transition, private bankingwill become a crucial profit growth engine for the banking industry."
兴业银行副行长陈锦光表示:“中国的银行正越来越多地转向轻资本业务和资产管理。在这一转型过程中,民营银行将成为银行业的一个重要利润增长引擎。”
From 2014 to 2015, among 12 banks that announced their performances in private banking,nine posted more than 20 percent growth in assets under management.
从2014年到2015年,在12家披露业绩数据的私人银行中,9家的管理资产规模增速超过20%。
BCG partner and managing director David He said huge market opportunities will continue toemerge in the next five years, as an increasing number of private banking clients allocated alarger part of their assets overseas.
波士顿咨询公司合伙人兼董事总经理何大勇表示,随着越来越多的私人银行客户在海外分配他们较大部分的资产,巨大的市场机遇将在未来五年内持续出现。
"Compared with other countries, the current proportion of China's overseas personal assetsto the total is much lower," he said. "We estimate that the proportion will rise to 9.4 percent in2020 from 4.8 percent at present, increasing the size of the overseas investment market by 13trillion yuan."
何大勇说:“和其他国家相比,目前中国的海外个人资产占总资产的比例要低得多。我们预计这一比例将从目前的4.8%上升到2020年的9.4%左右,新增市场规模将达到13万亿元人民币。”
东南亚诸国无惧英国脱欧 唯怕中国经济放缓
or Southeast Asia, the slowdown of China's economy may have a bigger economic impactthan the British vote to leave the European Union.