什么是高净值人群？

中文版：

高净值人群，通常是指那些拥有较高财富净值的人群。这里的“高净值”通常指的是个人所拥有的可投资资产减去负债后的净额，通常包括现金、股票、债券、房地产、艺术品等。高净值人群一般具备较高的经济实力和财富积累能力，是社会经济发展的重要力量。

高净值人群的形成与多种因素有关，如个人能力、职业选择、市场环境等。他们往往通过创业、投资、继承等方式获得财富，同时也更加注重财富保值增值和传承规划。因此，高净值人群往往需要专业的财富管理和投资顾问来帮助他们进行资产配置和风险管理，以确保其财富能够长期稳健增长。

高净值人群在社会经济发展中扮演着重要角色。他们不仅是经济增长的重要推动力，也是社会公益事业的重要支持者和贡献者。同时，高净值人群的消费和投资行为也对社会经济的发展产生着深远的影响。

英文版：

What Is a High-Net-Worth Individual?

A high-net-worth individual (HNWI) typically refers to an individual with a significant amount of wealth. The term "high-net-worth" usually refers to the net value of an individual's investable assets minus their liabilities, which may include cash, stocks, bonds, real estate, art, and other assets. HNWIs generally possess considerable economic strength and wealth accumulation capabilities, making them a significant force in socio-economic development.

The emergence of HNWIs is influenced by various factors, such as personal abilities, career choices, and market conditions. They often acquire wealth through entrepreneurship, investments, inheritances, and other means. As a result, HNWIs place a strong emphasis on wealth preservation, value enhancement, and succession planning. Consequently, they often require professional wealth management and investment advisors to assist them in asset allocation and risk management, ensuring their wealth grows steadily in the long term.

HNWIs play a pivotal role in socio-economic development. They are not only a significant driving force for economic growth but also important supporters and contributors to social welfare causes. Additionally, the consumption and investment behaviors of HNWIs have a profound impact on the socio-economic landscape.