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AI智能总结
晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ 䒸鎊INTRODUCTION 㖈⯎忘♶烁㹁䚍涸䔲♴⚆歲馊勻馊鄄霆㹊⨴䐀䩞僽➃碫剒㹈餥涸餒㺢կ 呏䰘⚆歲⽡欰絆絉8)0䎃〄䋒侨䰘⠮雦ꬋ⠛厩䚍氬氻嫦䎃⠔鸣䧭 ♰➃娥❖湱䔲✵Ⰼ椕䨾剣娥❖➃侨涸կ䗱過盗氬氻ծ浓氿ծ䢨䚍ㄎエ麤氬氻ㄤ祪㽶氻⺫䭍祪㽶氻䒸饰涸胄腮氬氻瘝䢨䚍ꬋ⠛厩䚍氬氻僽⽭㹲➃碫⨴䐀涸⚺銳勄䩛կ ⡲⚹⚆歲痦✳㣐絑崸⡤ㄤ剒㣐涸〄㾝⚥㕂㹻⚥㕂㖈Ⰼ椕⽡欰屛椚⚥䪏怵满馊勻馊ꅾ銳涸錭蒀կ鵛䎃勻䧮㕂䊺䒊䧭Ⰼ椕剒㣐涸氬氻ㄤ⨴䐀⽭ꤗ㔔稇港崵緸絞ꅾ㣐䢨䚍氻鵂傍娥❖桧䭷㿨荛㿨➃纈㔔䗱腰過盗氬氻ծ浓氿ծ祪㽶氻䧴䢨䚍ㄎエ禹絡氬氻瘝娥❖涸嚋桧➢䎃涸♴꣭ ⵌ䎃涸կ⡎♶〳や雩䢨䚍氻䱽䕎⸷⣜搬⚚䃔կ䗱過盗氬氻ծ浓氿ծ䢨䚍ㄎエ麤氬氻ㄤ祪㽶氻⺫䭍祪㽶氻䒸饰涸胄腮氬氻⽑䨾剣ꬋ⠛厩䚍氬氻鵂傍娥❖涸⟄♳鵯㔋碫氬氻䧭⚹ⵖ紨➃㖲곫劍㼑ㄐ䲿넞涸ꅾ銳㔔稇կ ⚹䎾㼆䮋䧶㕂㹻⽡欰⨴䐀㨼✵䎃湱絩⽪〄✫ꛏ㼆㔋碫ꅾ㣐䢨䚍氻涸屛遤⸓㹊倶倰呩㗏䭯곫⚹⚺⸈䔂⼕輑ざ䲀⸓匬䒊Ⰼ➃纈ծⰌ欰ㄐワ劍ծⰌ崨玐涸䢨䚍氻⨴䐀盗椚剪⸉⡤禹կ 呏䰘⚆歲⽡欰絆絉㕂꣢ 浓氿灇瑕劼匬剒倝侨䰘儑爙䎃⚥㕂倝㟞♰䜌䚍胅泿倝〄氻⢾ㄤ♰䜌䚍胅泿娥❖氻⢾կ➚䎃⟄勻㕂㹻⽡⨴㨼䭯絯〄䋒✫ꛏ㼆굹盗浓ծ胊浓ծ肽浓ㄤ絕湬肃浓㔋㣐浓猫涸癃叅♸傍霏傍屛倰呩䎃晜կⰦ⚥շ肽浓癃叅♸傍霏傍屛倰呩䎃晜ո䭷ⴀ肽浓涸癃叅㼆韌⚹肽浓넞굥ꤗ➃纈偽肽浓氻〷䎃륁♧菚㖈։㿨⛓ꢂշ絕湬肃浓癃叅♸傍霏傍屛倰呩䎃晜ո䭷ⴀ侔〄䚍絕湬肃浓涸癃叅㼆韌⚹侔〄䚍絕湬肃浓넞굥ꤗ➃纈偽絕湬肃浓氻〷䲀虛癃叅饰姺䎃륁㖈։㿨⛓ꢂկ㼆➃〡罈륁⻊ㄤ䢨䚍氻䎃鲽⻊涸⿽ꅾ䮋䧶稒鶖涸梡㹊⤛⢪Ⰼ爢⠔銳㽴鸟䱲程倝涸⼕毫垷䒭ⵄ欽倝猰䪮ꅾ㝕䢨䚍氻䱽涸呔㽷⟄刿㥩㖑䎾㼆㢕勇涸⨴䐀곿կ ⨴䐀盗椚涸呍䗱椚䙁刿㖈✵곫կ鵯♶⡎僽⼕毫禹絡涸⟣⸉刿⣜饆⚡➃ծ㹻䏭ㄤ爢⠔涸Ⱏず♸㼜⨴䐀紵Ⰶ劢勻錞ⴢ涸呍䗱僽⥂ꥻ劍犷爸涸Ⱒꝶ⚿䲃կ㽍Ⱖ僽㼆✵넞ⲙ⧩➃纈罜鎊䎂邂✲⚌〄㾝♸⨴䐀盗椚僽㹊梡넞餘ꆀ欰崞涸呏劥䨾㖈կ 䔲♴넞ⲙ⧩➃纈䖃䖃⚰馋ず涸⨴䐀㔮㞯籖䘐涸傈玐♸䊭㣐涸⾓⸂⢪雽㢴➃䙐錠✫⨴䐀盗椚կ♶猰㷖涸껏굹ծ緃⛘⯎駈涸鵘⸓⿺漖溭♶駈瘝欰崞倰䒭偽毟㟞⸈✫䗱腰過盗氬氻ծ祪㽶氻ㄤ浓氿瘝䢨䚍氻涸굥ꤗ劍넞䔂䏞䊨⡲㼋荝涸搋贊ㄤ䫈龏瘝䗱椚⨴䐀곿鵳♧姿䓳✫➭⟌涸侮⡤⨴䐀朐䙖կ 侨䰘勻彂XIPJOU[IOFXTSPPNGBDUTIFFUTEFUBJMOPODPNNVOJDBCMFEJTFBTFT 㽴盗鵯❈礵薉㽻剣腊⸂蜦䖤넞畮⼕毫餴彂⡎歋✵⨴䐀곿涸悶⠃䚍⿺Ⱖ䘯鸟〄㾝涸暵䚍䖃䖃㖈〄梡傞䊺鵳Ⰶ鳅⚹⚚ꅾ涸媯կ㔔姼㥵⡦㖈鷅宠✲⚌䧭⸆涸ず傞剣佪鵳遤⨴䐀盗椚僽넞ⲙ⧩➃纈❑鍒Ɀ涸ꦼ 곿կ鸑鵂⯎ⴔⵄ欽⯓鵳涸⼕毫餴彂㟞䔂㼆⨴䐀굥ꤗ涸雩霋㹁劍鵳遤氬氻癃叅ㄤ傍劍䎁곫腊㢿剣佪꣭⡛䢨䚍氻䌄勻涸㪭胇僽㹊梡⨴䐀㼑涸ꅾ銳鸀䖈կ 倝⼶爢䧮㕂ꅾ㣐䢨䚍氻鵂傍娥❖桧꣭荛IUUQTXXXHPWDOMJBOCPCVNFODPOUFOU@IUN 㼆✵㖈傞➿峿崨⚥䪏怵ꅾ銳錭蒀涸礵薉➃纈罜鎊⨴䐀♶➑僽⚡➃곿刿僽Ⱒ⛖⟱⚌珘㹁ㄤ爢⠔〄㾝涸ꅾ銳㔔稇կ➚䎃շ餒㺢ո勇䘋껷䏞䶀䩛昶䐀꧋㔙翫ざ〄䋒շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո傋㖈鸑鵂勉㪭侨䰘ⴔ區ㄤ⚁⚌⨴䐀䒊雳⚹넞ⲙ⧩➃纈涸⨴䐀盗椚䲿⣘猰㷖䭷㼋⸔⸂匬䒊넞ㅷ餘➃欰ず傞䲀⸓Ⰼ爢⠔ꅾ倝㹎錠餒㺢♸⨴䐀⛓ꢂ涸稒㺙翫禹կ鸑鵂姼妃ざ⡲շ餒㺢ո♸昶䐀꧋㔙ㄎが刿㢴➃Ⱒ岤䢨䚍氻䱽㼜⨴䐀錠⚹✲⚌䧭⸆ㄤ爢⠔籖虽涸ꅾ銳⥂ꥻկ *OUFSOBUJPOBM"HFODZGPS3FTFBSDIPO$BODFSIUUQTHDPJBSDXIPJOUNFEJBHMPCPDBOGBDUTIFFUTQPQVMBUJPOTDIJOBGBDUTIFFUQEG 湡䔶CONTENTS շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸ꅾ銳絕雿06 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸侨䰘勻彂ծ湡叻➃纈ㄤ絡雦ⴔ區絶䏞07 1.1շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸侨䰘勻彂ㄤ湡叻➃纈1.2շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸絡雦ⴔ區絶䏞1.3շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸⡤唬䒗䌢絕卓唬叅고湡霹僈 10շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ոꜾ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸匬䧭䞔ⲃ 2.1Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸䚍ⵆ䎃륁匬䧭嫱2.2Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸㖑⼓ⴔ䋒 13շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո⚥ꥥ霄ⵌ浓氿唬ⴀ桧荛㼱⚹˚ GREEN PAPER ON THE HEALTH OF CHINESE BANK & INSURANCE HNWIS |3.1ꥥ霄烁霏浓氿涸Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪浓氿猫碫ⴔ䋒3.2ꥥ霄烁霏浓氿涸Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸䚍ⵆⴔ䋒ㄤ䎃륁ⴔ䋒3.3鸑鵂歌朐艑馄㡮唬叅〄梡⢾歌朐艑浓䝖罏⽑嫱3.4鸑鵂脽鿈$5唬叅ㄤ脽鿈9㼘絁唬叅瘝〄梡⢾肽浓䝖罏⽑嫱3.5鸑鵂✌艑馄㡮唬叅ㄤ胅泿叻䘋暟唬崵瘝〄梡⢾✌艑浓䝖罏⽑嫱3.6鸑鵂➃✌㣢泿氻嫫唬崵)17ծ㹡곯膴衅絈脅唬崵㹡곯5$5ծ㹡곯ⵉ晙ㄤ㶩㹡꣡⟝馄㡮唬叅〄梡⢾㹡곯浓ծ㹡곯⾲⡙浓䝖罏⽑嫱3.7鸑鵂胄馄㡮唬叅ㄤ脽鿈$5唬叅〄梡⢾胄浓䝖罏⽑嫱3.8鸑鵂艑浓胅泿叻䘋暟唬崵ծ艑馄㡮唬叅ㄤ歑㢪猰唬叅〄梡⢾艑浓䝖罏⽑嫱3.9鸑鵂聽馄㡮唬叅ㄤ胅泿叻䘋暟唬崵〄梡⢾聽浓䝖罏⽑嫱 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ոꜾ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⡤唬䒗䌢絕卓涸唬ⴀ䞔ⲃ37 4.1Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⡤唬䒗䌢絕卓霹僈ծ䚍ⵆⴔ䋒ㄤ䎃륁ⴔ䋒4.2Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⡤唬䒗䌢絕卓涸㖑⼓ⴔ䋒4.3շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո♸շ晜⚥㕂Ꜿ遤⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո⡤唬䒗䌢絕卓唬ⴀ桧嫱鳅 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ոꜾ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⡤唬䒗䌢絕卓涸ⴔ碫絡雦ⴔ區44 5.1Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪넞過⾓唬ⴀ桧ッ梡ꥥ䎃륁㟞⸈罜㟞涸馋⸷5.2㿨㿨Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸欥屘♲ꂾ5(㟞넞ծ䚪胐㔿ꃫ5$㟞넞ㄤ⡛㺙䏞腒跗涯胐㔿ꃫ-%-$㟞넞涸唬ⴀ桧剒넞5.3Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪瑟艎過祪'#(⼮넞唬ⴀ桧ッ梡ꥥ䎃륁㟞⸈罜㟞涸馋⸷5.4㿨㿨歑䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸㽶ꃑ6"㟞넞唬ⴀ桧剒넞唬ⴀ桧鴪ⵌ5.5㿨⿺⟄♳歑䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪곯⸓腡䒗䌢馄㡮唬ⴀ桧馄鵂5.6㿨⿺⟄♳歑䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⡤ꅾ䭷侨#.*㟞넞唬ⴀ桧馄鵂5.7㥎䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪歌朐艑絕蒜馄㡮唬ⴀ桧馄鵂5.8㿨㿨歑䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪腒肘聽馄㡮唬ⴀ桧馄鵂5.9㿨⿺⟄♳歑䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪艑䒗䌢馄㡮唬ⴀ桧馄鵂5.10㿨㿨㥎䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪✌艑絕蒜馄㡮唬ⴀ桧剒넞唬ⴀ桧馄鵂5.11㿨㿨㥎䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪넞⽭㘗➃✌㣢泿氻嫫)17䚍唬ⴀ桧⚹5.12㿨⿺⟄♳㥎䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪낧餘毜匠낧㺙䏞唬ⴀ桧馄鵂5.13䲿넞⡤唬고湡唬桧剣⸔✵䲿⼮浓氿瘝ꅾ銳氬氻涸〄梡➃侨 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ոꜾ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪㢴絶䏞㢴㷖猰⡤唬䒗䌢絕卓翫ざ絡雦ⴔ區80 6.1鸑鵂䕧⫸㷖唬叅翫ざ㹊낉㹔唬崵〄梡Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪腒肘聽⠶고聽⸆腊䭷叻䒗䌢唬ⴀ桧鴪ⵌ6.2鸑鵂䗱歏㕃唬叅翫ざ䗱過盗湱Ⱒ㹊낉㹔唬崵〄梡Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪䗱歏㕃䒗䌢⠶고䗱過盗湱Ⱒ㹊낉㹔䭷叻䒗䌢唬ⴀ桧鴪ⵌ 傍〄梡ծ傍霏倗ծ傍屛毫僽Ⱒꝶ89 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀䫣デո涸ꅾ銳絕雿 IMPORTANT CONCLUSIONS 1.浓氿ꥥ霄絕卓 晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪ꥥ霄涸絡雦侨䰘儑爙䎃剢傈荛䎃剢傈劍ꢂ涸Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪䚪雦 ➃妃Ⱖ⚥䎃剢傈荛䎃剢傈劍ꢂ㖈昶䐀꧋㔙⡤唬涸Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪 ➃妃⚥昶䐀꧋㔙䊺ꥥ霄ⵌ➃烁霏浓氿⽰շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ոꜾ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪涸浓氿唬ⴀ桧荛㼱⚹˚➃ ➃կた絯ꥥ霄䊨⡲➠㖈鵳遤⚥곫雦⠔剣刿㢴烁霏浓氿涸Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪鄄〄梡կ 2.⡤唬ꅾ銳絕卓 GREEN PAPER ON THE HEALTH OF CHINESE BANK & INSURANCE HNWIS |!շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո呏䰘䎃剢傈荛䎃剢傈Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⡤唬㤛귬涸絆䧭ㄤぐ고湡涸唬桧鷥䭊✫고⡤唬䒗䌢絕卓鵳遤絡雦絡雦絕卓儑爙䱗ꤑ♸䚍ⵆ湱Ⱒ涸艑䒗䌢馄㡮ծ✌艑絕蒜馄㡮瘝⡤唬䒗䌢絕卓歌朐艑絕蒜馄㡮㖈Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⚥涸唬ⴀ桧剒넞鴪ⵌ䖃♴⣜妃⚹⡤ꅾ䭷侨#.*㟞넞ծ낧ꆀⲸ㼱낧餘毜匠낧㺙䏞ծ곯⸓腡䒗䌢馄㡮ծ腒肘聽馄㡮ծ䚪胐㔿ꃫ5$㟞넞ㄤ⡛㺙䏞腒跗涯胐㔿ꃫ-%-$㟞넞唬ⴀ桧㖲馄鵂կ !㼆✵歑䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪銻渷剒䎛岌涸⨴䐀곿僽⡤ꅾ䭷侨#.*㟞넞唬ⴀ桧⚹䖃♴⣜妃⚹艑䒗䌢馄㡮ծ腒肘聽馄㡮ծ낧ꆀⲸ㼱낧餘毜匠낧㺙䏞ㄤ歌朐艑絕蒜馄㡮唬ⴀ桧㖲㖈⟄♳կ !㼆✵㥎䚍Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪銻渷剒䎛岌涸⨴䐀곿僽歌朐艑絕蒜馄㡮唬ⴀ桧⚹䖃♴⣜妃⚹낧ꆀⲸ㼱낧餘毜匠낧㺙䏞ծ곯⸓腡䒗䌢馄㡮ծ⡤ꅾ䭷侨#.*㟞넞ㄤ䚪胐㔿ꃫ5$㟞넞唬ⴀ桧㖲馄鵂կ !㢴絶䏞㢴㷖猰⡤唬䒗䌢絕卓翫ざ絡雦ⴔ區儑爙鸑鵂䕧⫸㷖唬叅翫ざ㹊낉㹔唬崵〄梡Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪腒肘聽⠶고聽⸆腊䭷叻䒗䌢唬ⴀ桧鴪ⵌ鸑鵂䗱歏㕃唬叅翫ざ䗱過盗湱Ⱒ㹊낉㹔唬崵〄梡Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪䗱歏㕃䒗䌢⠶고䗱過盗湱Ⱒ㹊낉㹔䭷叻䒗䌢唬ⴀ桧鴪ⵌկ Chapter.01 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸侨䰘勻彂ㄤ湡叻➃纈 շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸灇瑕㼆韌⚹䎃剢傈荛䎃剢傈㖈昶䐀꧋㔙偫♴⡤唬⚥䗱⸈⡤唬涸Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪Ⱏ佐꧋紨♰➃妃կ昶䐀꧋㔙⡤唬侨䰘㖲㶸⪰㖈猙剣⻊鿈縭涸⼕毫✻կ昶䐀⼕毫✻䊺鸑鵂⚥⼶➃字Ⱏㄤ㕂Ⱆ㸝鿈⥌䜂禹絡㸝Ⰼ瘝紩⥂䫡㢊呩♲紩⟄⥂ꥻ⡤唬➃纈侨䰘㸝Ⰼկ Ꜿ 遤 ⿺ ⥂ ꤗ넞 ⲙ ⧩ 㹐 䨪 ! " ! # $ % & ' ( ) ! " ! * $ + & # ' ( շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐䨪⨴䐀綁淼⛼ո涸絡雦ⴔ區絶䏞 GREEN PAPER ON THE HEALTH OF CHINESE BANK & INSURANCE HNWIS |շ晜Ꜿ遤⿺⥂ꤗ넞ⲙ⧩㹐
