香港私人财富资产实现强劲增长，但据咨询公司 Capco 称，由于私人银行和财富管理公司采用了包括人工智能在内的技术来服务客户，该行业尚未出现同等规模的招聘。
Hong Kong has seen strong growth in private wealth assets, but the industry has not yet seen the same scale of hiring, as private banks and wealth management companies have adopted technology including AI to serve customers, according to consulting firm Capco.
“当私人银行管理的资产快速增长时，客户关系经理的数量并没有以同等速度增加，因为技术和人工智能的使用提高了团队的生产力，”Capco 亚太区保险与财富业务负责人 Simon Smallcombe 周一在接受采访时表示。
“When assets under management by private banks are growing rapidly, the relationship managers are not increasing at the same rate as the use of technology and AI are enhancing the productivity of the team,” Simon Smallcombe, Capco’s insurance and wealth leader in the Asia-Pacific region, said in an interview on Monday.
根据证券及期货事务监察委员会的数据，香港金融机构去年管理的资产达 42.2 万亿港元（约 5.38 万亿美元），同比增长 20%，其中私人银行和家族办公室资产增长 24% 至 12.9 万亿港元，推动了整体增长。
Financial firms in Hong Kong managed HK$42.2 trillion (US$5.38 trillion) worth of assets last year, up 20 per cent year on year, according to the Securities and Futures Commission, with a 24 per cent increase in private bank and family office assets – to HK$12.9 trillion – driving the growth.
然而，Smallcombe 表示，Capco 基于佣金数据的研究发现，私人银行行业的员工人数仅增长了 2.2%——从 2024 年的 9,920 人增至去年的 10,140 人。详述该公司调查结果的报告将于周三发布。
However, Smallcombe said that Capco research based on commission data had found that headcount in the private bank industry had risen just 2.2 per cent – from 9,920 in 2024 to 10,140 last year. A report detailing the firm’s findings will be released on Wednesday.
Smallcombe 表示，近年来许多私人银行和财富管理公司采用了人工智能和其他技术工具，使银行家能减少在行政工作上花费的时间。
Many private banks and wealth management companies had adopted artificial intelligence and other technology tools in recent years, allowing bankers to spend less time on administrative work, Smallcombe said.
“当他们需要进行继任规划或复杂的投资决策时，他们会找他们信任的人交谈，”Capco 的 Simon Smallcombe 说。他表示，这一趋势将持续下去，使私人银行和财富管理公司能够在无需扩大员工队伍的情况下支持不断增长的资产。
When they need to have succession planning or sophisticated investment decisions, they would talk to someone they can trust Simon Smallcombe, Capco He said the trend would continue, allowing private banks and wealth management companies to support rising assets without the need to increase the size of their workforces.
然而，Smallcombe 补充道，人工智能不会取代该行业的人类。
However, Smallcombe added, AI would not replace humans in the industry.
“客户可能会通过人工智能搜索简单信息，但当他们需要进行继任规划或复杂的投资决策时，他们会找他们信任的人交谈，”他说。
“The clients may search simple information via AI, but when they need to have succession planning or sophisticated investment decisions, they would talk to someone they can trust,” he said.
小科姆表示，私人银行的银行家无需担忧来自人工智能的竞争，而应积极拥抱人工智能以提升工作效率。
Bankers employed at private banks did not need to worry about competition with AI, but should embrace AI to do their jobs, Smallcombe said.
他表示：“随着技术的发展，私人银行客户经理的角色将发生变化，技术将赋予他们更大的服务能力。当人工智能和技术帮助客户经理减轻行政事务的负担时，他们就能将更多时间投入到客户服务中。”他还指出，客户希望看到他们的客户经理利用人工智能快速提供更多相关信息。
“The role of the relationship managers at private banks will change as technology will allow them to have greater capacity,” he said. “When AI and technology help to remove the burden of administration from the relationship managers, they can have more time to spend with the customers.”He also said clients wanted to see their relationship managers use AI to quickly provide them with more information.
小科姆说：“由于客户可以在线下单并次日收货，他们的期望值已经提高。他们可以订购食物并即时送达，对速度的期望也随之上升。”这意味着银行家也需要利用技术提供高质量的服务，帮助客户快速做出投资决策，并确保处理流程顺畅无阻。
“Customers’ expectations are elevated because they can order something online and the goods could be delivered the next day,” Smallcombe said. “They can order food, and that can be delivered instantly. Their expectation of speed has escalated.”That meant bankers also needed to use technology to provide high-quality services that helped clients make quick investment decisions, and to deliver unimpeded processing.
他表示：“技术与人类的结合将形成强大的合力，使客户经理不仅能销售产品，还能向客户提供全面的财务咨询服务。”“在技术时代，客户经理的角色实际上可以拓展到其他领域，例如财富传承规划。”小科姆指出，汇丰银行已宣布计划在增加新加坡客户经理招聘的同时，加大对人工智能的投入。
“The combination of technology and humans would be a powerful blend to enable relationship managers not only to sell products, but also to offer comprehensive financial advisory services to customers,” he said. “The role of relationship managers in the era of technology could actually be expanded to other areas such as succession planning.”Smallcombe noted that HSBC had announced a plan to hire more relationship managers in Singapore while at the same time investing more in AI.