演讲稿可以帮助发言者更好的表达。在日常生活和工作中,演讲稿的使用越来越广泛,如何写一份恰当的演讲稿呢?问渠那得清如许,为有源头活水来,如下是编辑给大伙儿收集的经典英语演讲稿带翻译(优秀10篇),仅供参考,希望对大家有一些参考价值。
I hope you will come back here to Harvard 30 years from now and reflect on what you have done with your talent and your energy. I hope you will judge yourselves not on your professional accomplishments alone, but also on how well you have addressed the world's deepest inequities … on how well you treated people a world away who have nothing in common with you but their humanity.
我希望,30年后你们还会再回到哈佛,想起你们用自己的天赋和能力所做出的一切。我希望,在那个时候,你们用来评价自己的标准,不仅仅是你们的专业 成就,而包括你们为改变这个世界深刻的不平等所做出的努力,以及你们如何善待那些远隔千山万水、与你们毫不涉及的人们,你们与他们唯一的共同点就是同为人类。
What we cannot afford to lose
We cannot lose innovation
There is a wonderful word which expresses the most original motions and desires among human-beings. With solving any kind of imperfections, our world has moved ahead. This is the word “innovation” that we cannot afford to lose.
We chicaned every detail of the innovation. Thousands years before, we created fire when we took a stone to knock another one. Since Han Dynasty, four great inventions had been created and it is one of the greatest signs that China become to the ancient civilized country. And nowadays, thousands of software, products, architectures and public facilities have upgraded more than that about 100 years ago. So how did these happen? What will you do if you are not satisfied with your tools anymore? What will you do if old mode cannot afford to develop in a company? There is no doubt that we should innovate no matter where we are and what we do. Not because of the design itself, but actually for its intended purpose.
If there was no Apple, everyone could not imagine how to contact others easily and enjoy a better Internet surfing.
If there was no Microsoft, perhaps we still worked in a dim office and duplicate some troublesome documents. If there was no Newton, and no theory of gravity, maybe I will win the Nobel Prize like Newton rather than just standing here. I have heard that three apple changed the world. The first one seduced Eve. The second one awakened Newton. The third one was in the hands of Steve Jobs. We sort of think the innovation of the world began with apple. I imagine lots of people want to become another Newton or Jobs right now with just one hand to change the world, right? Have the innovation to follow your heart. It somehow already reflects what you truly want to become. Everything else is secondary.
Via questioning, we can start to innovate. Via innovating, we can start to create better lives. No innovation, no improvement. No improvement, no success. And no success, no civilization. Now, our time is limited, so don't waste it living someone else's life! Don't let the noise of others' opinions drown out your own inner voice! Don't let yourself down! It is the innovation that we cannot afford to lose!
我们不能失去的东西
我们不能失去创新
有一个美妙的词,表达了人类最原始的运动和欲望。解决任何不完美的问题,我们的世界已经向前发展。这是“创新”这个词,我们不能失去。
我们的每一个细节的创新诡计。几千年前,我们用石头打另一个火,我们生火。自汉代以来,四大发明创造出来,是中国古代文明的伟大标志之一。而如今,数以千计的软件、产品、建筑和公共设施已经超过120xx年前的升级了。那么这些是怎么发生的呢?如果你不满意你的工具,你会怎么做?如果老模式不能在一个公司中发展,你会做什么?毫无疑问,无论我们在哪里,我们做什么,我们都要创新。不是因为设计本身,而是为了它的目的。
如果没有苹果,每个人都无法想象如何与其他人接触,并享受一个更好的上网冲浪。
如果没有微软,也许我们在一个昏暗的办公室工作,并重复一些麻烦的文件。如果没有牛顿,没有理论的引力,也许我会赢得牛顿奖,像诺贝尔,而不是站在这里。我听说三个苹果改变了世界。第一个诱惑了夏娃。二人唤醒了牛顿。第三个是在史蒂夫·乔布斯的手中。我 我想象有很多人想成为另一个牛顿或工作的权利,现在只需要一方面改变世界,对不对?有创新,跟随你的心。它在某种程度上已经反映了你真正想要成为的。其他一切都是次要的。
通过质疑,我们可以开始创新。通过创新,我们可以开始创造更好的生活。没有创新,没有进步。没有进步,没有成功。没有成功,没有文明。现在,我们的时间是有限的,所以不要浪费时间去活别人的生活!不要让别人的意见淹没了你内心的声音!别让自己失望!这是我们不能失去的创新!
Good morning everyone!
In that faraway village, small mountain village......" Ears suddenly echoed the" mother's kiss" this song, my heart cannot calm, reminds me of the great maternal love.
A mother's love is like a tired work well, when you are weak and feeble, a few bites refreshed; motherly love like helpless when hands, when you don't know what to do, just hold on its difficulties will be smoothly done or easily solved; maternal love as the sun in winter, when you cold despair, as long as bathed in the warmth of love, all the disappear in smoke in a moment. A mother's love is like a pastoral poem, remote, pure, and elegant light; a
mother's love is like a deep love song, melodious, lead a person to endless aftertastes; motherly love is like a landscape painting, quiet and beautiful, tranquil and elegant. The maternal love is a growing Yanyinqipan children; maternal love is concerned about their children before bed anxious; motherly love is drifting continuously miss the Earth children; maternal love is the sons and daughters of life concomitant joke.
We live in Beijing, and the environment in Beijing is directly related to our existence!
But Beijing's environment is very bad now, such as: poor air quality, less plants, sewage, garbage dump more problems etc. These people are not enough to bring a devastating disaster, such as: dust storms, floods, ground subsidence, etc.
Here I call on you: to protect the environment in Beijing is to protect the homes we live in. I would like to propose several initiatives:
If there is no urgent business, it is better not to drive a motor vehicle, walk or ride a bicycle! This protects the air quality.
Take part in tree-planting activities and cut down trees. That will give Beijing a green color.
When we discharge the sewage, we should not enter into the river, we'd better get in the drain. This will solve the problem of more sewage.
The garbage is dumped in the designated dump, allowing the designated personnel to handle it. This way, the garbage can not be polluted to the environment.
Protecting the environment is everyone's responsibility. Maybe we can't change the bad environment in Beijing all at once, but we can start the next bit!
I remember one time I was walking by the river. Suddenly an aunt was preparing to pour the sewage into the river by the river. A green worker rushed over to stop her and told the aunt she had a lot of green knowledge. The aunt was so ashamed that she hurried away.
Not only the green uncle, but also I was once a "environmentalist".
我们生活在北京,北京的环境直接关系到我们的生存!
可是北京现在的环境十分恶劣,例如:空气质量差、植物少、污水较多、垃圾乱倒等这些人们不以为然的问题却足以带来毁灭性的灾难,例如:沙尘暴、洪水、地面塌陷等。
在此我呼吁大家:保护北京的环境就等于保护我们生存的家园!我向大家提出几条倡议:
1、如果出门没有急事,最好不要开机动车,多步行或骑自行车!这样可以保护空气质量。
2、多参加植树活动,并且少砍伐树木。这样可以让北京多一份绿色。
3、在我们排出污水时,我们不要排进河中,最好排进下水道中。这样可以解决污水较多的问题。
4、垃圾倒在指定垃圾堆中,让指定人员进行处理。这样可以不让垃圾对环境进行污染。
保护环境,人人有责。也许我们不能一下子改变北京的恶劣环境,但是我们可以从身边的一点一滴做起!
记得有一次,我在河边散步。突然看到一位阿姨在河边正准备把污水倒进河中。只见一位环保工人急匆匆地跑过去将她绳之于法(制止了她),并且告诉了那位阿姨很多环保知识。那位阿姨一听,羞愧得急忙走开了!
不光是那位环保叔叔,就连我也当过一回“环保小卫士”。
An apple a day keeps the doctor away. It shows that apple has a lot of health benifits, but it is benificial in more ways than that.
Apple is sweet and juicy. It ease my thirst in summer.Apple is healthy.There is plenty of vitamine and other nutritions in apple.And what’s more important is that apple is accesible for everyone. We can buy some in markets and they won’t cost much.
I eat an apple everyday and that helps me stay healthy. I love apple.
Good afternoon,ladies and gentlemen!
I’m very glad to stand here to share my ideas with you. To begin with, I want to ask a question .Do you dream a sweet dream last nightActually, Today I want to talk about dreams with you. Of course. What I want to talk is not a dream you have last night, but a dream about life.
Steve Jobs dreams to create something that can change the world. He did it. Wright brothers dream to fly in the sky. They did it. Tyrone Bogues dreams to play basketball in NBA. He did it. You may find the truth easily that every great man always has a good dream. WhyWhy is a dream so important
Everyone has his own dream about life. Dreams are like the stars in the sky. We can never reach them. However, like most mariners, we need dreams to chart our course. We need dreams to support us. With a dream, we have a direction. With a direction, we will never be confused. With a dream, we have hope. With hope, we have the strength to fight.
Life is tough. There are always ups and downs. Maybe we fail on the way to our aims. But, the dreamfromthe bottom of our heart can always comfort us, encourage us, and support us. In this way we have the strength to move on. Because there is nothing like a dream to build up our body and create the future. So remember your dream and never give up your dream easily.
Martin Luther King has a dream, and he changed America. So, ladies and gentlemen, today I hope you will remember that no matter whether it is happiness or suffering we will experience now, our future is always
here, waiting for us to paint beautiful pictures. What you need to do is just to believe yourself and stick to your dream. Because only if we hold our dreams, we can brighten our future.
Thank you for allowing me to share my ideas with you today。
本学期,我任教一年级三个特色班以及六年级班的英语教学工作。在教学过程中,我一直遵从以下几个理念,进行教学。
一、注重教学过程管理,强调先进教学方法和理念的实施。
如何充分发挥小学英语在实现教育目标中的功能,从而体现小学英语在整个课程中的地位和作用,是小学英语教学必须重视的问题。英语学习的启蒙阶段是非常重要的,教学的成功与否将对学生的终身学习产生深远影响。小学开设英语课程的目的在于培养学生学习英语的积极情感,形成初步的英语语感,打好语音、语调的基础,具备用所学英语进行交流的初级能力。通过英语课程的学习,丰富社会生活经历、开拓视野、树立学习的自信心。为此在实际教学中我们要求广大教师积极实践和探索,在教学目标、课程实施、教学方法、教学评价等方面做到层层推进。在实践过程中应该明确以下几点:
1.在教学总体目标上,重兴趣、重成就感、重自信心的培养。教师通过多种激励的方式,如奖品激励、任务激励、荣誉激励、信任激励和情感激励等,激发学生积极参与、大胆实践、体验成功的喜悦。有了成就感,就有了自信心,学生就会渴望学习英语;在课程实施上,重环境、重频率、重效率。教学中特别强调语言环境的创设,充分利用和开发电视、录音、录像、光碟等多种媒体,丰富教学内容、活跃教学气氛、创设生动和真实的语言环境。尽量在课堂上创造真实的情境,克服课时少的困难,并且按排早读课及时复习,保证学生高频率的接触英语,为学生创造有效的学习条件,提高学习效率;在语言教学目标上,重语感、重语音语调基础、重交流能力。学校和教师积极创造条件,提供良好的`语言环境和设备,通过提供大量的感知、体验、模仿等实践活动,帮助学生形成初步的语感。语音语调的学习包括发音、重音、语调、节奏和语流等多方面,教学中要求教师防止以单音准确为目的的教学,通过多听、多模仿,在有意义的语境中进行训练,奠定语音语调的基础。强调要培养学生交流能力就要创设交流的情景,使学生通过交流发展交流的能力。
2.在教学模式和方法上,重体验、重实践、重参与、重创造。要求教学设计贴近生活,符合小学生兴趣的需求;教学内容能引起学生的兴趣,例如韵律诗歌、寓言故事、会话表演、游戏等;教学的语言材料要真实、实用。学生在课上通过用中学、学中用,反复实践,学用结合。功能、结构、话题、任务做到有机结合;以话题为核心,以功能和结构为主线,以任务型活动为目标安排各单元或各课的教学;通过视、听、说、玩、唱、画、游、读、写、译等饶有趣味的活动,让学生接触足够量的语言材料,保证输入量,“习得”与“学得”结合,使学生逐步培养起初步的语感;通过大量语言材料的输入,特别是声像材料的示范,学生模仿,教师指导,使学生逐步形成良好的语音、语调、书写、拼读的习惯。设计任务型活动,开放空间,激活学生的思维,培养创造思维。自始至终引导学生通过完成具体任务活动来学习语言,让学生为了特定的学习目的去进行特定的语言活动,通过完成特定的交际任务来获得和积累相应的学习经验。教学方法要多样,且生动活泼,激发学生的学习兴趣。充分利用教科书中的课文创设栩栩如生的情景,为学生提供使用英语进行交流的机会。实践中,我们发现每当孩子们进入角色,成功地做成一件事,他们便情不自禁,喜形于色,因此兴趣倍增、信心加强,动机和情意受到了很大的激励。同时要求布置的练习形式要多种多样,做到手、脑、口、耳、眼、肢、体并用,静态、动态相结合,基本操练与自由练习相结合,单项和综合练习相结合。通过大量的实践,使学生具有良好的语音、语调、书写和拼读的基础,并能用英语表情达意,开展简单的交流活动。
二、创设良好的语言学习环境,扩展英语教学的时空。
⒈灵活安排教学组织和课堂,以学生为主体,充分调动学生的积极性,开展两人小组、多人小组、成行、成排、半班等多种形式的活动。这是小学英语教学的重要特点之一。只有开展这些活动才能使每一个学生充分地参与课堂实践,才能体现出语言的交际性,才能实现师生之间和学生之间的互动性。课堂上课桌椅的摆放形式根据教学的需要采用不同的方式——秧田式、半圆式、全圆式、双圆式等,目的是为了更好地开展各种教学活动。这样做可以促进师生之间的情感交流,而且可以帮助学生培养起互相关心,合作的团队精神。
⒉采用多种媒体的现代化教学手段,创设良好的语言环境和充分的语言实践机会,优化教学过程。利用英语教学音像资源——图画、图表、投影、录音、录像、cd、vcd、dvd等多媒体软件,不仅能为学生提供规范的语音、语调,还可以提供真实自然的语言使用的示范,即语言使用的场合、时间、对象等,而且还有体态语——手势、动作、表情等的示范。多种媒体的运用使教学变得生动、形象、活泼,感染力强,容易激发学生兴趣,引起有意注意,加深印象,帮助学生持久记忆。充分利用现代化教学手段,可以超越时间和空间的限制,使学生置身于以英语为母语的环境中,体验英语的实际运用。多媒体课件的使用可以使教学过程程序化,大大提高教学的效率,这一点对我们农村学校课时少的小学英语课尤为重要。
⒊把英语学习从有限的课内时空扩展到无限的课外时空,成立小小英语角、学校布置英语走廊、让学生制作英语画刊等各种形式的活动极大地提高了学生学英语的热情,让学生感受到英语无处不在、无时不学。
三、努力总结和发现问题,及时调整教学策略。
在实际教学过程中,教师应积极实践,不断探索,针对实际工作中出现的问题和学生身心特点,总结规律,认真思考,不断摸索。尤其是在课堂教学中教师应具备良好的应变机制。以下图表是小学三年级英语课堂教学中的一些实际案例。从中我们可能会有所提示。
学生特点及学习过程中表现出的问题教师采取的教学策略典型案例
学习内容教学对策
学习动机浅近、单一,学习凭兴趣。①学习过程要有趣味性、有意义,要有利于激发学生主动参与的欲望。
②善于利用学生的生活体验,通过让学生交流,使他们对所学语言产生亲切感,从而激发学习动机。
及时、正确地给予评价激发学生的成就感,从而产生学习的新动力。greetings常常采用师生问答形式,学生感到枯燥、厌烦。教师让学生与长毛绒动物握手交流,学生兴趣倍增。
学生将家庭成员的照片带进课堂,互相讨论照片中的人物,兴趣盎然。
以形象思维和生活中的直接经验为主,理解力差,模仿力强。
①教学内容要联系学生生活实际,让学生在熟悉的环境中使用有限的语言,用英语做事。
②注意语言学习的整体性。将所学内容相对固定模式,训练学生根据某一特定情景,说出相应内容的条
件反射能力,为日后灵活运用语言奠定基础。
③坚持使用对学生有吸引力的直观教具,利用多媒体等现代化直观教学手段
I always think there is not enough time. For example,I have just taken a three-day holiday. But when I look back,I just feel that it‘s only one day. There goes a proverb,“Time is money”。 Now I want to say,time is more precious than money,because when money is spent,we can earn some more again. However,when time is gone or lost,never will it return.
Time goes without being noticed. The time for our study and work is usually limited. So I think we must make full use of our time. But it‘s a pity that I am always not aware of the importance of time until it’s too late.
So I think,I should get into the good habit of saving time because wasting time is equal to wasting one‘s life. Do not put off what can be done today till tomorrow!
我总是认为没有足够的时间。例如,我刚刚完成了一个三天的假期。但当我回头看时,我只是觉得它只是一天。俗话说“时间就是金钱”,现在我想说的是,时间比金钱更宝贵,因为当钱花了,我们可以再挣一些。但是,当时间消失或失去,永远不会返回。
时间不被注意。我们学习和工作的'时间通常是有限的。所 但遗憾的是,我始终没有意识到时间的重要性,直到为时已晚。
所以我想,我应该养成节约时间的好习惯,因为浪费时间等于浪费生命。不要把今天能做的事拖到明天!
“once upon a time,there was a king who had a daughter as beautiful as a blooming rose. to all the suitors who came to the king's palace to ask for the hand of the princess, the old king assigned three tasks to be accomplished, each next to impossible. one day, into the king's palace came a handsome young prince..." well, you know the rest. the three tasks may be different in different versions, but the main plot is always the same, with the prince claiming the princess's hand triumphantly.
and the ending is always the same, finishing with the line "and they live happily every after."
why aren't we tired of something so fanciful, so unrealistic, and, i would say, so unimaginative? how can a story like that endure generations of repetition`? because, i think, it is a typical success story. it is highly philosophical and symbolic. by implication, we see a 4-step definition of success: 1 ) a goal to be set. as represented by the beautiful princess; 2 ) challenges to be met, as represented by the three tasks; 3 ) the process of surmounting difficulties, as represented by the ordeals the youth goes through; and 4 ) the reward of success, as represented by the happy marriage.
the story not only caters to everyone's inward yearning for success, but also emphasizes the inseparability of the process and the result. the reward of success will be much amplified if the path leading towards it is treacherous, and vice versa. if a person inherits his father's millions and leads an easy life, he is not a successful person even in material terms, because there are no difficulties involved in his achieving affluence. the term "success", to be sure. will not sit still for easy definition. but as i understand it, the true meaning of success entails a combination of both the process and the satisfactory result of an endeavor. to clarify my view, let me give another analogy.
if we changed the rules of football, greatly enlarged the goal and sent away david seaman or any other goal keeper, so that another david, namely david beckham, could score easily, then scoring would not give him the thrill of accomplishment and the joy that it brings. if we further changed the rules by not allowing arsenal's defenders to defend, so that beckham needed only to lift a finger, actually a toe, to score, then there would be no game at all, because the meaning of winning would have disappeared. in accepting the challenge, in surmounting the difficulties and in enduring the hardship, success acquires its value. the sense of attainment varies in proportion to the degree of difficulties on overcomes.
译文
“从前,有一个国王有一个女儿就像盛开的玫瑰一样美丽。所有追求者来到王宫里要求公主的手,老国王指派完成三个任务,每一个几乎不可能的。有一天,国王的宫殿是一个年轻英俊的王子……“嗯,你知道。不同版本的三个任务可能会有所不同,但主要情节总是相同的,得意地宣称王子公主的手。
和结局总是一样的,完成与行“每后,他们幸福地生活在一起。”
为什么不我们厌倦了一些幻想,不现实,我想说,如此缺乏想象力?故事怎么能这样忍受一代又一代的重复”?因为,我认为,这是一个典型的成功故事。它是高度哲学和象征性。通过暗示,我们看到一个分4步的成功的定义:1)所代表的一个目标是集美丽的公主;2)挑战,为代表的三个任务;3)克服困难的过程中,所代表的考验的青春经历,和4)成功的奖励,如所代表的`幸福的婚姻。
这个故事不仅迎合每个人的内心渴望成功,但也强调了过程和结果的不可分离性。成功的奖励会放大很多如果路径主要是危险的,反之亦然。如果一个人继承了他父亲的数百万和领导一个简单的生活,在物质财富方面他甚至不是一个成功的人,因为他没有困难参与实现富裕。“成功”这个词,可以肯定的是。不会坐着容易定义。但随着我的理解,成功的真正含义需要两者的结合的过程和满意的结果努力。阐明我的观点,让我给另一个类比。
如果我们改变了足球的规则,大大扩大了目标和打发大卫·希曼或任何其他守门员,这样另一个大卫,大卫·贝克汉姆,可以轻易得分,然后得分不会给他带来的成就感和快乐,兴奋。如果我们进一步改变了规则不允许阿森纳的后卫防守,所以贝克汉姆只需要抬起手指,脚趾,分数,然后就没有游戏,因为胜利的意义就会消失了。在接受挑战,克服困难,在忍受苦难,成功获得它的价值。成就的感觉不同比例的程度上克服困难。
马蔚华
为什么要搞财富管理?我们中国能不能搞财富管理?我讲四条理由:
第一条就是不搞财富管理中国的商业银行发展难以为继,几年前我们就说过,我们中国的商业银行面临两大脱酶,一个是资本性的脱酶,一个是技术性的脱酶。资本性的脱酶是融资减少,商业银行在融资当中一同天下的地位被削弱,这一点两年内看得很清楚,我们中国的股票市值23日已经将近23万亿,23号突破5000点,从998点到5000点的从998点到5000点的指数我们用了26个月左右的时间。市值从2万亿涨到23万亿,也就是说在企业融资的空间里,直接融资迅速的膨胀,这是股票市场,去年一年,在4000亿,营业额也是数万亿,营业中商业银行的份额在减少。所以说从商业银行自身看得另辟蹊径。
第二条是利率市场化的速度在加快,从今年元旦开始,中央银行每日对外发布上海同业拆借利率,这是一个信号,也就是全面利率市场化的时代已经不远了,利率市场化的结果使得企业和银行间的博弈越来越尖锐,好几间大企业给银行的利率下幅,下幅到银行不能接受,不能接受就发股票,所以银行盈利也受到挑战。第三条是银行的资本约束,到20xx年,从07开始银监会已经邀请所有的商业银行是8%的充足率开始组,巴歇尔协议对银行的约束非常强,在搞贷款特别是公司贷款,也就是100%,你要搞财富管理可能不用资本效应,这就是财务管理对银行最大的意义,如果一个上市银行不断的贷款,不断的消费资本就要不断的股权融资,所有的投资者都不喜欢你这么做,所以这也是商业银行一个很大的考验。
所以说,从这几方面看银行资本性的脱酶是对银行最大的挑战,因为资本性的挑战是IT企业老想做银行的事,比如阿里巴巴,在咨询领域不断向银行方面靠拢。第二从国外的经验看,国外的银行走过了一个过程,银行转型在美国是80年代中期,当时美国实行非业管理的监管体制,所以美国也是直接资本市场的兴起、直接融资的发展,美国的商业银行也很困难,监管当局只允许他们搞贷款,不能搞别的,所以当时在美国银行转型的年代,也出现过百家银行倒闭,80年代初期有290家银行倒闭,有1000多家银行出了问题,像花旗银行这样,首先收购了旅行者集团,突破了非业管理的法案,实现了美国促进了新法案的出生,所以才开始了后面的时代。
从那以后,美国的银行越来越重视财富管理,在西方银行财富管理都成为他们最重要的盈利来源。应该说在全球的盈利中,财富管理业务的贡献度一般都超过了20%,大家知道零售私人银行给银行的利润贡献能达到普通银行的10倍以上。我知道香港的花旗20xx年私人银行的盈利占到全部盈利的20%,大家都知道瑞士的银行财富管理是出名的,瑞银集团管理2万亿美元的财产,它的私人银行所创造的净利润在整个瑞银集团保持在35%以上,去年上半年达到了63%,主要是鉴于中国股市的发展,中国财富管理的增加。所以国际银行已经给中国做了示范,我们也在这样一个路子。
第三是从我们中国的社会需求看,财富管理在中国有巨大市场,这几个方面一个是改革开放到今天全社会的生活水平有明显的提高,这个可能是不用争议的;第二是在全社会提高的同时,按照邓小平说的一个人先富起来,那么财富也在积聚、分化,中国的基尼系数在国际上是比较高的,对社会的稳定肯定是有不利的一面,但是对银行理财也是有客户来源增加的一面。
美联证券有一个全球的财富报告,20xx年中国有流动性资产累计是23万亿了,那100万美元的客户大大增长,富豪在未来的几年内将保持88%的增长速度,这个数据是全球的两倍,我说的这是顶级、最高端的富豪,在最低和最高之间有中产阶层,在国家土地局的规定里中产阶层规定的标准是6—50万人民币,中国中产阶层的人数将达到3.5亿。到20xx年,中国的中产家庭也将接近一亿户,理财在中国是大有人在,大有市场、大有人群。
再有就是老龄化,到20xx年我们的老龄人口达到1.6亿,老龄人口也需要你给他建立退休、教育、应急资金、管理个人资产,所以我可以有这样的预见,在未来几年内,13亿中国人必将成为世界上最大的财富管理的市场。最后一点就是财富管理在中国有没有事可做?我觉得首先财富管理和金融市场的发展是紧密相连的,光靠银行的发展是不够的,银行的财富管理必须借助于金融市场,我们的资本市场,特别是股票市场是金融市场的重要组成部分,所以中国资本市场这几年发展得非常快,是23万亿,而且我们的市场正在逐渐的、加快速度的和国际资本市场在连通,最近央行外汇管理局确定上海为试点,中国境内的居民可以直接购买H股的股票,这就打通了境内外市场的通道,将来试点会越来越大,可能所有的银行不能老试点了。
在国际市场上,现在发展得非常的迅速,全球资本市场直接融资年均流量是1万亿,间接的是2万亿,衍生品的总量是当年GDP的10倍,这些都可以从境内、境外给我们财富管理提供一个巨大的平台,另外随着监管体制的逐渐变革,在证券、保险、基金、信托、外汇的领域,银行也在逐渐的渗透,其实银行现在也可以利用这些市场来实现我们理财的目的。所以正因为这样试点,所以我觉得在中国商业银行的财富管理必然成为必然的趋势。