On May 13, 2012, the China Household Finance Survey and Research Center of Southwestern University of Finance and Economics released the country's first "Chinese Household Finance Survey Report" in Beijing.

As of August 2011, the average financial assets of households in mainland China were 63,800 yuan.

Among them, the average financial assets of urban households are 112,000 yuan, and the average financial assets of rural households are 31,000 yuan. The differences in household financial assets between urban and rural areas are significant, showing obvious uneven distribution.

According to reports, the report is based on the summary and analysis of sample survey data of 8,438 households in 25 provinces, 80 counties, and 320 communities across the country, involving data on household assets, liabilities, income, consumption, insurance, security, etc. It comprehensively and objectively reflects the current basic situation of my country's household finance.

The uneven distribution of assets is far worse than the inequality of income. The report shows that as of August 2011, the average assets of Chinese households were 1.2169 million yuan, the average urban household assets were 2.476 million yuan, and the average rural household assets were 377,000 yuan.

The average annual household disposable income is 51,569 yuan, 70,876 yuan in urban areas, and 22,278 yuan in rural areas.

From the data, it was found that 0.5% of Chinese families have an annual disposable income of more than 1 million yuan, 1.5 million Chinese families have an annual disposable income of more than 1 million yuan, and the 10% of the highest-income families account for 57% of the total social income. This shows that

The phenomenon of family income inequality in China is already serious.

Li Hongbin, a professor at Tsinghua University, said that based on this income distribution, the lower line of GDP is 0.44% and assets are 85%. The GDP calculated based on assets is 0.75%, which shows that the uneven distribution of assets is far greater than the uneven distribution of income. This is in line with our

There is a relationship between national real estate development and financial market development.

Household assets and liabilities: The report also found that the average debt of Chinese households is 62,600 yuan, and the overall asset-liability ratio is 4.76%.

Private lending in China is not active, with 12% of households borrowing funds, and the proportion of households borrowing money from informal financial institutions is as high as 33%.

Among household assets, financial assets are 63,700 yuan, accounting for only 8.76% of total assets, while non-financial assets are 664,000 yuan, accounting for 91.24%.

Gan Li, a professor at Southwestern University of Finance and Economics, believes that from the overall balance sheet of Chinese households, it can be seen that the financial development of Chinese households is actually relatively backward, and the financial assets of the United States account for 15.4% of total assets.

However, he also pointed out that this shows that China's financial market is not yet fully developed and there is still room for development.

Pension security situation: 44.2% of Chinese residents do not have any form of pension security, and only 54.8% have pension security.

Post-retirement pension income: the overall monthly average is 753.95 yuan; the urban monthly average is 1,557.67 yuan; the rural monthly average is 188.67 yuan.

Distribution of three major assets: The report data also shows that among household financial assets, bank deposits account for the highest proportion, accounting for 57.75%; followed by cash, accounting for 17.93%; stocks third, accounting for 15.45%; funds, accounting for 4.09%; and bank wealth management products accounting for 17.93%.

2.43%.

Risk-free assets such as bank deposits and cash account for a high proportion.

Savings situation: As of August 2011, total national savings accounted for 19.25% of total income, which is lower than the savings rate calculated based on macro data, but still at a relatively high level.

Judging from the distribution of savings, household savings are extremely unevenly distributed.

The savings rate of the top 10% of households is 60%, accounting for 75% of the total savings that year.

At the same time, more than half of Chinese families spent more than their income that year. Therefore, the high savings problem that plagues China and the world is largely a problem of income inequality. It is better to increase the income of low-income families.

Policies to promote domestic demand.

Stock investment situation: Relatively speaking, the participation rate in China's stock market is only 8.8%, so the phenomenon of national stock speculation is not reflected in the data.

In stock investment, 22.27% of households made profits; 21.82% of households broke even; and 56.01% of households suffered losses.

As many as 77% of stock trading families do not make money from the stock market.

As age increases, the proportion of making money from stock trading increases.

Household-owned housing situation: It is worth noting that China’s household-owned housing ownership rate is 89.68%, which is much higher than the world average of 60%.

Among them, urban families accounted for 85.39%.

19.07% of urban households own more than two houses.

The average value of the first home of urban families is 841,000, the average cost price is 191,000, the market price-cost ratio is 4.4, and the profit of the first home is as high as 340%; the average value of the second home of urban families is 956,700, and the average cost price is 39.33

million, the market price-cost ratio is 2.43.

Therefore, urban housing benefits are considerable, but 69.05% of urban households own one house.