记者 | 胡颖君

11月20日，胡润百富与中信保诚人寿联合发布了《2022中国高净值人群家族传承报告》，报告显示，中国拥有千万人民币家庭净资产的高净值家庭规模达到206万户，jiaoshangnianzengjia4wanhu，guangdongchaoyuebeijingchengweigaojingzhijiatingzuiduodediqu，xianggangdegaojingzhijiatingguimotongbixiajiang，guoquyinian，gaojingzhirenqunzhongdejinlingzhanbishangsheng，qiyezhuzhanbixiajiang。

baogaotongjilewoguobutongcaifudengjigaojingzhijiatingdezongtiguimo：zhongguoyongyou600wanrenminbijiatingjingzichande“fuyujiating”shuliangdadao508wanhu，yongyouqianwanrenminbijiatingjingzichande“gaojingzhijiating”shuliangdadao206wanhu，yongyouyiyuanrenminbijiatingjingzichande “chaogaojingzhijiating”shuliangdadao13wanhu。

congdiqulaikan，yongyougaojingzhijiatingzuiduodewugechengshishibeijing（29.8wanhu）、shanghai（26.2wanhu）、xianggang（21.1wanhu)、shenzhen（7.9wanhu)、guangzhou（7.1wanhu)。top5chengshizhong，shenzhendegaojingzhijiatingguimozengfuzuikuai（tongbizengzhang 4.4%)，xianggangdegaojingzhijiatingguimojianshao（tongbixiajiang5.4%）。

conggaojingzhirenqungouchenglaikan，zhiyeguminyubudongchantouzizhedezhanbijunwei10%，yuqunianbaochiyizhi；qiyezhuzhanbiyue 50%，shouyiqingduiminyingjingjideyingxiang，jiaoshangnianjianshao10gebaifendian；jinlingzhanbiyue30%，bishangnianzengjia10gebaifendian。

调研发现，高净值人群中投资风格占比最多的是稳健型投资者（46%)。受国际时政、经济环境和疫情波动的负面影响，对于短期的投资理财目标，高净值人群最为关注的是财富安全，qizhongyaoxinglianxusanniangaoyucaifuzengzhang。

zhongguogaojingzhijiatingdecaifuzongzichancong2020niande126wanyishangshengdao2021niande160wanyi。zhanwangweilai，gaojingzhijiatingyujiyou18wanyiyuandecaifujiangzai10nianneichuanchengjixiayidai，49wanyiyuandecaifujiangzai20nianneichuanchengjixiayidai，92wanyiyuandecaifujiangzai30 nianneichuanchengjixiayidai。

报告指出，面对持续增长的财富规模以及生命周期的基本规律，家族传承势必成为高净值家庭越来越关注的重点课题。

调研发现，97%的高净值人群会考虑家族传承事宜。对于家族传承的考虑者，有四成已经实施了家族传承规划。对于目前的家庭财富，高净值人群分配比例最高的是家族传承 (30%)，其次是财富投资、后代教育、当前消费和养老储备，cishanjuanzengdetourubiliyue 8%。

家族财富三大方面中，精神财富的重要性居首，物质财富其次，最后是社会财富。diaoyanfaxian，qiyezhuduishehuicaifudetouzhuduxiangduijiaogao。daodesuyang、budongchan、zhengshangrenmaiguanxishizuishouguanzhudejingshencaifu、wuzhicaifuheshehuicaifudechuanchengduixiang。

zhidezhuyideshi，guanyujiazuchuancheng，95%degaojingzhirenqunduijiatingneibuyinsucunzaidanyou，zuidadedanyoushizinvdecaifujieguanyubaoguannengli (50%)，liruzinvduicaifudehuihuo、zinvdexinzhibuchengshudeng。duiyuwaibuhuanjingyinsudebianliang，yichan、zengyuxiangguanshuishouzhengcebianhua（46%）dedaolezuiduogaojingzhirenqundeguanzhu。qichenggaojingzhirenqunzaidiaoyanzhongrenwei，zhongguodeyichan、zengyuxiangguanshuishouzhengcekenengzai10nianneichutai。

duiyujiazuchuanchengdeshouduan，zhongguogaojingzhirenqunzuiqidaidexiaoguoshi“zhidingshouyirencongerbimianjiufen”（46%）、“zichanwenjianbaozhi”(42%）、“tixianchuanchengzhunzeyuyueshutiaojian”（38%），zheixiedoufanyingchuzaijiazuchuanchengdeguochengzhong，quedingxingduigaojingzhirenqunjuyoujigaodezhongyaoxing。

guanyutuijinjiazuchuanchengdeheshiqiji，diaoyanfaxian，daduoshugaojingzhirenqunshiyizijidenianlingweizhuyaokaolvyinsu （57%），qicishiyihoubeinianlingweikaolvyinsu （30%），yiqiyefazhanjinchengweikaolvyinsudezhan14%，zuiduoderenbazijilinjintuixiudeshijiandianzuoweituijinchuanchengshiyideheshiqiji （34%）。pingjuneryan，zhongguogaojingzhirenqunkaishichuanchengxingdongdepingjunnianlingwei 54.1sui。