2019 the beginning of the year, wide hair bank combined university of southwest finance and economics to publish to be as long as of 76 pages " health of fortune of family of 2018 China city reports " (the following abbreviation " report " ) , announced the current situation that fortune of Chinese city family manages, feature and problem.
Among them, a few more interesting data offer everybody to look first:
Of family of city of 1. our country door all total assets dimensions 1.617 million yuan, door all can invest asset dimensions 557 thousand yuan.
The 1/5 before 2. China has the family of money, total dimensions of average capital fund is 4.545 million yuan.
In configuration of 3. household total assets, house property is occupied than be as high as 77.7% . Financial capital configuration is occupied only 11.8% .
In configuration of 4. household total assets, the stock is occupied than be less than 1% .
5.31-40 year old domestic total assets exceeds 3 million, young configure with aged family house property overmuch.
6. record of formal schooling and negative of house property configuration close, record of formal schooling is junior high school and the following family, house property is occupied than be as high as 80.9% ; Prep above undergraduate course reachs the household of record of formal schooling of above,
Urban family door all total assets amounts to 1.617 million yuan
Dimensions of property of family of our country city grows quickly -- domestic door all 1.503 million yuan when asset dimensions increases to 2017 from 970 thousand yuan of 2011, year all compound increase rate is 7.6% .
2018, of family of our country city door all total assets dimensions is 1.617 million yuan, door all net assets dimensions is 1.542 million yuan, door all can invest asset dimensions to be 557 thousand yuan. Year after year of Chinese family fortune increases, fortune total value already row world the 2nd.
Of Chinese family property add fast exceed American family:
Among them the domestic property dimensions of Chinese Top20% and United States comparative. The family of Chinese Top20% , its are average asset total dimensions is 4.545 million yuan, 5.3 million yuan when be close to the United States.
Domestic housing capital fund is occupied than 77.7%
Finance is occupied only 11.8% , the share is skimpy 1%
In domestic total assets, of house property occupy than highest. 2017, in total assets of household of Chinese our country, house property is occupied than be as high as 77.7% , 34.6% of outclass United States.
And finance is occupied than only 11.8% , compare with the other nation posture such as Japan, England, France, configuration scale is inferior.
And financial capital matchs in, 42.9% for bank deposit, the stock is occupied only 8.1% , fund is only 3.2% .
Namely in domestic total assets, only the asset of 0.96% configured a stock, insufficient 1% ; Only 0.38% configured fund.
31-40 year old domestic total assets exceeds 3 million
Young configure with aged family house property overmuch
From can invest asset to look, householder age is in 31-40 year old family, its total assets and can invest asset to mix 1.18 million yuan for 3.034 million yuan respectively. Householder age in 41-50 the total assets of the family when year old is mixed can invest capital highest, mix 1.389 million yuan for 3.252 million yuan respectively.
The householder of different age, different also to the configuration of estate, its are middleaged mix gently configuration of aged family house property is overmuch:
Young with aged family income and difference of middleaged family income bigger: Householder age is in 31-40 the household when year old is average year of income is highest, achieve 255 thousand yuan, it is 23-30 next year old family, average year of income 238 thousand yuan.
Record of formal schooling and negative of house property configuration close
Domestic house property is occupied rise than sufferring those who teach a level basically as householder and reduce. Record of formal schooling is junior high school and the following family, house property is occupied than be as high as 80.9% ; The family of record of formal schooling of prep above undergraduate course and above of 76.2% occupy than. The family of level of low record of formal schooling, money kind the family that the product configures level of record of formal schooling of other of apparent prep above, and of bond and stock occupy than apparent the family under level of other record of formal schooling.
The family below this and different income level configures structural photograph to agree: Income is higher, monetary configuration is occupied lower than jumping over, the stock is occupied taller than jumping over.
5 big unreasonable phenomena
Introduction Zong Lexin weighs assistant president of wide hair bank, " report " itemize fortune of Chinese city family governs presence " 5 big unreasonable phenomena " , money level of management remains to improve.
It is, domestic housing capital fund is occupied than exorbitant, squashed financial capital configuration.
Data shows, housing capital fund is occupied in domestic total assets than 77.7% , 34.6% of outclass United States; And financial capital is occupied in domestic total assets than be only 11.8% , in the United States this one scale is 42.6% . Higher house property proportion absorbed the fluidity with overmuch family, squashed financial capital configuration of the family.
2 be, when investing product of conduct financial transactions, cross half family not to accept capital to have any losses, rigid cash demand is stronger. Data shows, the family of 54.6% does not hope capital has any losses, expect again at the same time income of higher conduct financial transactions.
3 be, the cycle of redound of product of bank conduct financial transactions with acceptability family is general shorter, lack program of long-term conduct financial transactions.
Periodic to the redound of product of acceptability bank conduct financial transactions, choice inside 3 months, 3-6 month, 6-12 lunar family occupies score to be 35.8% , 37.2% with 33.7% , seeing what most family accepts is reach the following redound cycle 1 year.
4 be, investment category of the family lacks diversity.
Data shows, the Chinese family of 67.7% has a kind of investment to taste merely, the Chinese family of 22.7% has two kinds of investment to taste, have 3 kinds or the family that investment of 3 kinds of above tastes is occupied merely 10.6% . Comparative our country and beautiful state law court invest the diversity of breed, have 3 kinds or the American family that investment of 3 kinds of above tastes is occupied than be as high as 61% .
5 be, ginseng of domestic business insurance keeps rate on the low side, only do not have commercial insurance to the domestic member of 15% .
And the family is willing to be cast for minor children more protect, ignore the safeguard of pair of family pillar, 10-18 year old domestic member ginseng is protected rate is top, for 21.3% , it is member of 10 years old of the following families next, ginseng protect rate for 19.5% .
And in the asset configuration of Euramerican family, to insurance (serious illness, accident danger, share out bonus of provide for the aged, education, deposit is safe) what occupy scale to exceed 30% , accept the scale that is bordering on standard general Er, the domestic asset that shows these countries is configured more tend dovish.
Small band says:
Besides improvement this " 5 big unreasonable phenomena " , overseas assets also is the one annulus that family of partial high net value is badly in need of configuring. After the RMB makes international money, fortune of our country dweller bears directly RMB exchange rate fluctuates considerably risk. Press international convention, international currency country should have one part capital fund the whole world combines configuration, ability disperses effectively risk.
