银行高净值人群又更富了？招行、平安、中信等财富以上客户均现两位数增长，专家强调毋片面看待

市场资讯2023-03-28

财联社3月28日讯（记者彭科峰）每年的银行年报数据中，高净值人群及其资产总量的变动总能引发大众关注，今年也不例外。　　财联社记者注意到，在目前已经披露年报的招商银行、平安银行、光大银行、中信银行等多家银行私人银行客户数量和资产总量均实现大幅增长。　　特别是，招商私人银行加金葵花客户总共414万户（户数占比2.25%），资产占比却高达81.38%的数据一经发布，更是在社交媒体中引发不少“...

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Experts emphasize that they should not look at it one-sidedly","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"161121":1,"03968":1,"03143":0.6},"content_text":"财联社3月28日讯（记者 彭科峰）每年的银行年报数据中，高净值人群及其资产总量的变动总能引发大众关注，今年也不例外。\n　　财联社记者注意到，在目前已经披露年报的招商银行、平安银行、光大银行、中信银行等多家银行私人银行客户数量和资产总量均实现大幅增长。\n　　特别是， 招商私人银行加金葵花客户总共414万户（户数占比2.25%），资产占比却高达81.38%的数据一经发布，更是在社交媒体中引发不少“贫富差距越拉越大”的声音。那么，真实情况究竟如何？\n　　多家银行高净值人群实现两位数增长\n　　招商银行最新年报数据显示，截至报告期末，该行私人银行客户数突破13万户，私人银行管理客户总资产余额达3.79万亿元，较上年末增长11.74%。户均总资产2，813.38万元，较上年末增加32.95万元。此外，金葵花及以上客户（指在本公司月日均总资产在50万元及以上的零售客户）414.34万户，较上年末增长12.84%。\n　　招商银行的情况并非孤例。平安银行年报显示，该行私行达标客户资产余额 16，207.85 亿元，较上年末增长 15.3%；该行财富客户 126.52 万户，较上年末增长 15.0%，其中私行达标客户3 8.05 万户，较上年末增长 15.5%。\n　　中信银行的年报显示，截至报告期末，私人银行客户达 6.68 万户，较上年末增长 10.81%。报告期内，私行客户管理资产（本行口径）月日均余额 9，485.97 亿元，同比增长 13.04%。\n　　光大银行的年报显示，截至报告期末，私行客户 56，526 户，比上年末增加 6，505 户，增长 13.00%；管理私人银行客户资产 5，681.85 亿元，比上年末增加 670.57 亿元，增长 13.38%。\n　　财联社记者梳理发现，尽管各家银行私人银行门槛不尽相同，但从年报数据来看，私人银行客户量增长最快的是平安银行，增速高达15.3%；私人银行客户资产增长最快的是光大银行，增速高达13.38%。\n　　分析师：银行高净值人群增长不能片面解读\n　　3月28日，一位不愿具名的券商银行业分析师对财联社记者表示，以招商银行为代表的多家银行的私人银行客户和资产去年均出现大幅增长有其特殊原因，市场不能简单地将其解读为贫富差距在扩大。\n　　他表示，首先去年理财和权益类市场均出现大幅滑坡，收益不如人意，这客观上导致了包括高净值人群在内的大量储户将资产转移到银行。\n　　其次，过去十余年来大行的客户数和资产基本保持在20%以上的增速，私行的客户数和资产也大约保持10%以上的增速，这是经济发展的正常现象。多年来中国经济一直保持了高速增长，高净值人群的数量也会增长。\n　　最后包括招行在内的多家银行在财富管理领域有多年深耕。“因此2022年客户数量和资产的增长，也可以看作是多年耕耘后不断开花结果的表现。”他对财联社记者强调。\n　　财富管理机构还有更多成长空间\n　　资深金融证券专家何晓宇则从银行业务转型角度，向财联社记者谈了他的看法。\n　　何晓宇表示，当前银行业普遍面临息差收缩、周期下行的挑战。而私人银行具有轻资本和弱周期的属性，因此商业银行都在争抢这块蛋糕，对财富管理战略相对比较重视。\n　　“当前各家银行对财富客群分层经营力度增强，越来越注重高端客群的定制化服务能力升级，布局高端客群。并通过打造健康、教育、本地化特色权益等精细化权益产品，满足细分客群的多元化需求。而且各家银行关注普惠型财富管理市场，产生了很好的效益。”何晓宇认为，这也是银行私人客户资产增长背后的直接推动力。\n　　何晓宇称，中国正在打造形成中间大、两头小的橄榄型分配结构，这将改变居民家庭的收入结构以及财富管理市场以及消费金融市场。如果扩大中等收入群体比重，这一部分的财富规模与比重也会提高，对财富管理需求会增加，将有更多中等收入群体进行优化资产配置，这为财富管理机构提供了更多成长空间。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：李琳琳","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.22.4","shortVersion":"4.22.4","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2322825752"}