Reports that last year, China's per capita wealth over 140,000 | _ news

Original title: report on surveys of household wealth in China (2016)

Xinhua News Agency, Beijing, April 28 compiled by the economic daily, China economic trends Research Institute of the China household wealth report published on 28th. The report covers 25 provinces, 268 total 12000 households, household survey data, concerning the country's household wealth, size and structure, urban-rural and regional differences, family, financial assets and housing investment and financing decisions, such as pension plans, comprehensive and objective reflection of the current situation of household wealth in China.

In 2015, China's per capita wealth of the family 144197, urban family and rural households per capita wealth 208317 Yuan and 64780 Yuan respectively. Urban households per capita wealth was 3.22 times times the wealth per capita of rural households. In addition to urban and rural differences, there are some regional differences in household wealth. Per capita wealth levels are highest in the eastern region, central region, and lowest in the Western region.

From the point source of wealth in order to understand the formation and distribution of household wealth, household wealth in China report on the analysis of the composition of household wealth. Net value of property is the most important components of household wealth, family wealth per capita in the country, real estate accounted for net 65.61%; urban and rural household per capita wealth, real estate net of 67.62% and 57.6%, respectively. Financial assets in the country, in urban and rural household per capita wealth, accounted for, and 16.49% and 18.61%, respectively. Movable and durable goods are also important components of household wealth, but its per capita share of wealth did not show significant differences between urban and rural areas.

China household wealth report analyses the family automobile, consumer credit, investment channels. Survey results show that car ownership rates of rural and urban households is 31.8%. Some families have more than one car, households with two or more cars accounted for 3.48% of the total number of households. On average, vehicles was 39.8 per hundred households. Car ownership there are significant differences between urban and rural areas. High household penetration of consumer credit, part of owning a car's family used loans to purchase cars, but this part of the family's smaller, only 18% of the family car ownership, 6.5% of the total households.

The main reasons for families to save, in the first place was "prepared for the children's education", more than 40% families are saving reasons. Followed by "to deal with emergencies and medical expenditures," "preparing for retirement savings" are "unwilling to bear the investment risk," "preparing for the purchase or renovation". This shows that the precautionary motive is the main cause of urban and rural household savings behaviour.

From the perspective of investment channels for urban and rural families, and families to participate in a variety of financial products investment, stock investment participation in relation to the maximum, 7.35% per cent of all households. Family 4.52% of the total family of investment funds. Investing in collections of only 3.53% per cent of all families. Families participate in a variety of investment products is not blind to finance and investment, respondents identify with the views of family members, friends, colleagues, held positive attitude to family, friends, colleagues of the 57.48%. In addition, the role of professional financial planner highlights.

Household wealth in China survey shows that most people after the age of 60 has a lower expected income levels. 33.28% had expected after the age of 60, 30% of income will not be enough before the age of 60. 60.07% residents 60 years after the income will drop by more than half. In order to achieve ideal living standards in old age, 48.29% think should be making pension plan before age 50, 33.84% of the respondents think it should be in 51-60 age pension plans.

Child family maintenance and pensions are the two most important sources of pension income. The vast majority of people think that, after the age of 60 may appear difficult to cope with the situation, only 6.74% think there will not be difficult to cope with the situation. Personal fears after the age of 60 will be in a position to cope with the situation, ranked in the top five are the major diseases, accidents, help children, daily consumption and inflation. Survey results show that 8.16% of those surveyed commercial endowment insurance scheme for dealing with risk.

Responsible editor: Wang Hao

Article keywords:
Wealth

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报告称去年中国家庭人均财富超14万元|财富_新闻资讯

　　原标题：中国家庭财富调查报告(2016)发布

　　新华社北京4月28日专电 由经济日报社中国经济趋势研究院编制的《中国家庭财富调查报告》28日发布。该报告基于覆盖全国25个省，268个县共12000户家庭的入户访问调查数据，涉及中国家庭财富的规模与结构、城乡与区域差异、金融资产和住房、家庭投融资决策、养老计划等方面，全面客观地反映了当前我国家庭财富的基本状况。

　　2015年，我国家庭人均财富为144197元，其中城镇家庭和农村家庭的人均财富分别为208317元和64780元。城镇家庭的人均财富是农村家庭人均财富的3.22倍。除了城乡差异以外，家庭财富也存在着一定的地区差异。东部地区的家庭人均财富水平最高，中部地区次之，西部地区最低。

　　为了从财富来源的角度理解家庭财富的形成以及分配状况，中国家庭财富调查报告对家庭财富的构成进行了分析。房产净值是家庭财富最重要的组成部分，在全国家庭的人均财富中，房产净值的占比为65.61%；在城镇和农村家庭的人均财富中，房产净值的比重分别为67.62%和57.60%。金融资产在全国、城镇和农村家庭的人均财富中，分别占到了16.49%、15.96%和18.61%。动产与耐用消费品也是家庭财富的重要组成部分，但其在家庭人均财富中的比重没有呈现出显著的城乡差异。

　　中国家庭财富调查报告分析了城乡家庭的汽车保有情况、消费信贷、投资渠道。调查结果表明，城乡家庭的汽车保有率为31.8%。一些家庭不只拥有一辆汽车，拥有两辆及以上汽车的家庭占调查家庭总数的3.48%。平均而言，每百户家庭的汽车保有量是39.8辆。汽车保有情况存在显著的城乡差异。家庭消费信贷的普及程度不高，一部分拥有汽车的家庭采用贷款的方式购置汽车，但这部分家庭的规模较少，仅占拥有汽车家庭的18%，占全部调查家庭的6.5%。

　　在家庭进行储蓄的主要原因中，位居首位的是“为子女教育做准备”，超过40%的家庭都将其作为储蓄原因。其次分别是“应付突发事件及医疗支出”“为养老储蓄做准备”“不愿承担投资风险”“为购房或装修做准备”。这说明，预防性动机是城乡家庭储蓄行为的主要动因。

　　从城乡家庭的投资渠道看，在参与各类金融产品投资的家庭中，股票的投资参与度相对最高，占到了全部调查家庭的7.35%。投资基金的家庭占全部家庭的4.52%。投资于收藏的家庭只占到全部家庭的3.53%。参与各类产品投资的家庭并不是盲目地进行投资理财，被调查者比较认同家人、朋友、同事的意见，对家人、朋友、同事的意见持肯定态度的占57.48%。另外，专业型理财师的作用凸显。

　　中国家庭财富调查显示，大多数人对60岁以后的收入水平有着较低的预期。33.28%的人预期60岁以后，收入将不足60岁以前的三成。60.07%的居民预期60岁以后收入将下降一半以上。为达到老年时期的理想生活标准，48.29%的人认为应该在50岁以前制定养老计划，33.84%的受访者认为应该在51－60岁制定养老计划。

　　子女亲人赡养和退休金是两个最主要的养老收入来源。绝大多数人都认为，60岁以后可能会出现难以应付的情况，只有6.74%的人认为不会出现难以应付的情况。在个人所担心的60岁以后将难以应付的情况中，排在前五位的分别是重大疾病、意外事故、帮助子女、日常生活消费和通货膨胀。调查结果表明，8.16%的被调查者为应对养老风险购买了商业养老保险。

责任编辑：王浩成

文章关键词：
财富

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