女对全球财富的占有率以及她们手中的理财决策权都在不断增长。可是，为何妇女们还常常被财富管理公司忽视呢？
波士顿咨询公司(Boston Consulting Group)最近对那些手中可折现资产在25万美元以上的富人进行了一次调查，作出回应的受访者中有55%的人说，私人银行在服务女性客户方面需要改进工作。
女性受访者们说，银行给予男性的关注更多，给予他们的建议更好，与他们达成的理财交易更有利可图，交易的条款也更优惠。这些女性受访者还说，许多理财经理在与夫妇俩打交道时，常常忽视妻子而只与丈夫沟通，即使这家的财务决策权掌握在妻子手中。
这些受访者表示，一些理财经理还先入为主地认为妇女的风险承受力低，因此只向她们提供较少的理财选择。
西班牙一位女富人在此次调查中表示，“银行业需要像汽车行业那样来一次革命，这样它们才能知道妇女并不只是坐在车里，她们还买车开车。”
事实上，北美地区的财富有33%掌控在妇女手中(也就是说她们享有这些财富的理财决策权)。这批财富的总额达到九万亿美元。
但私人银行业尚需努力去揣摩女性客户的需求。这一定程度上是因为女性想鱼与熊掌兼得。在此次调查中，她们一方面说希望能与男性享受同等待遇，获得一样的理财建议和投资机会。而另一方面，她们又说希望得到专门为女性量身定制的服务。
波士顿咨询公司的调查报告说，“这似乎是矛盾的，但对于量身定制服务的期望表明，女性客户有着独特的需要和预期。”
该公司的这项研究发现，与男性相比，女性更有可能因结婚、离婚、生孩子或家庭成员亡故等人生大事而调整自己财务安排的先后次序。
妇女们还觉得，理财顾问太过关注短期收益，而不是那些“重大的人生里程碑”。她们还希望财务报告能更简单明了。此外，男性严格地以商业眼光来看待他们与理财顾问的关系，而女性则希望能与理财顾问心领神会、相互信赖并得到量身定制的理财建议。
一位受访者说，“财富是人生规划的一种方式，而不是人生的目标。”
你认为女性理财客户有别于男性吗？如果是，区别有多大呢？
Women constitute a rising share of the world's wealth and wealth-management decisions. So why are they often ignored by wealth-management firms?
A new study from BCG (Boston Consulting Group) finds that 55% of affluent survey respondents-with $250,000 or more in bankable assets-said private banks need to do a better job serving women clients.
Women respondents said the banks give men more attention, better advice, better deals and better terms. They also said many wealth managers, when dealing with a couple, ignore the women clients and communicate only with the men-even if the woman is making the financial decisions.
Some wealth managers also assume women have a low risk tolerance, and therefore give them less choice, the respondents said.
'What banks need is a revolution like the automotive industry had,' said one wealthy woman from Spain interviewed for the survey, 'to finally understand that women not only sit in the cars, but also choose buy and drive them.'
Indeed, women control (i.e., make the decisions) 33% of North America's wealth. That's $9 trillion.
Yet private banks have yet to crack the wealthy-women code. In part, that is because women want different things. On the one hand, women said in the survey they want a level playing field and the same advice and opportunities that men get. On the other, they said they want services tailored specifically for women.
'This may seem contradictory,' the report said, 'but the desire for a tailored approach is really a sign that women have distinct needs and expectations as clients.'
According to the study, women are more likely than men to change their financial priorities because of life events like marriage, divorce, birth of a child or death in the family.
Women also feel that wealth advisers focus too much on short-term results rather than 'major life milestones.' They want simpler financial statements. And while men see the wealth-adviser relationship strictly through a business lens, women want empathy, trust and customized advice.
'Wealth is a means of life planning rather than a goal itself,' said one respondent.
Do you think women are different from men as financial clients, and if so, how so?