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香港金融管理局:2025香港长线投资:数字经济下的发展及机遇报告(英文版)(78页).pdf

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1、September 2025Hong Kong Institute for Monetary and Financial ResearchHKIMR Applied Research Report No.2/2025Long-term Investing in Hong KongDevelopments and Opportunities in a Digital EconomyContentsPagesForeword2Acknowledgement3Executive Summary4Chapter 1Long-term Investing and Financial Planning i

2、n the Digital Era7Motivations,emerging technologies,and key factors in a global contextChapter 2Financial Literacy and Individual Long-term Investment Behaviours16The role of financial literacy and behavioural biasesChapter 3Insights on Long-term Investing in Hong Kong23Individual perspectives on fi

3、nancial knowledge,investment behaviour,and digitalisationChapter 4The Evolving Landscape of Long-term Investing and Recent Developments:Views from the Market33Product development,distribution and marketing,financial education,and technology adoptionChapter 5Initiatives to Promote Long-term Investing

4、 and Financial Planning43The international and regional experiences and Hong Kongs stanceChapter 6Towards the Healthy Development of the Long-term Investment Ecosystem in Hong Kong57Capitalising on the advantages and areas for further developmentConclusions62Appendix A:Background to the IFEC 2024 Su

5、rvey64Appendix B:Background to the Long-term Investing Survey65Appendix C:Selected Initiatives in Hong Kong66Appendix D:References702Long-term Investing in Hong KongForewordLong-term investing is a cornerstone of effective financial planning,significantly enhancing individuals financial well-being a

6、nd resilience to potential shocks.Its importance is increasingly evident in light of the global trend of population ageing,characterised by rising life expectancies and declining fertility rates.This shift underscores the need for individuals to enhance their financial literacy and prioritise long-t

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1. **香港居民金融素养基础扎实**:基本金融知识在OECD 2023报告中排名全球第一,94%受访者能正确回答至少5道基础金融知识题(全球平均仅50%),但对长期投资特定产品(如年金、ESG)认知不足。 2. **长期投资目标与产品偏好**:主要目标为稳定回报、维持生活水平及养老/医疗储蓄,72%受访者使用数字金融服务(便利性为主),但仅54%寻求专业建议,91%依赖亲友推荐。 3. **市场产品与数字化趋势**:香港积累产品丰富(如MPF、ILAS),但67%市场参与者认为需增加“消耗期”产品供应;70%机构计划采用移动/网络平台,83%认为数字渠道能有效提升分销效率。 4. **挑战与建议**:居民关注通胀与医疗成本,市场面临数字基础设施高成本、客户对消耗期规划认知不足等问题;报告建议通过产品创新、加强金融教育及跨部门合作推动长期投资生态发展。
港人理财知多少? 长期投资有何优势? 数字化如何改变投资?
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