White Paper: By 2025, the risk perception of Chinese families has changed, and their awareness of financial risks has significantly increased.

On September 19th, the White Paper on the Chinese Family Risk Protection System under the background of high-quality development of the insurance industry was released. Influenced by external macro environment changes, consumers' perception of risk also showed differences. The project team analyzed data from nearly ten thousand valid family samples and compared it with the research data of the "White Paper on the Chinese Family Risk Protection System," revealing an important trend: by 2025, Chinese families' risk awareness will show the characteristic of "decreasing traditional survival-type risk anxiety and significantly increasing wealth risk perception." To cope with the new changes in family risk, many consumers are adjusting their family asset allocations. According to the research, bank savings are still the solid foundation of family asset allocation, with the proportion of both current and fixed-term savings close to or exceeding 90%; commercial insurance, bank wealth management, national bonds, and other guaranteed assets are the core strength, forming a dual-track layout of "protection + stable income." Medium-high-risk assets such as stocks and investment properties constitute a moderate proportion, while trust products and overseas investments have a low proportion.