China household wealth report: last year the per capita wealth of 144,000

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, housing and financial assets, such as pension plans, comprehensive and objective reflection of the current situation of household wealth in China.

　　Urban per capita wealth in rural 3.22 times

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.

National Bureau of statistics released on February 29, 2015 national economic and social development statistics bulletin. Figures show that the national annual disposable income per capita 21966 Yuan last year.

China household wealth report to analyze 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.

　More than 40% families saving for education

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.

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 expenditure" and "preparing for retirement savings", "risk averse", "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. According to Xinhua News Agency

(Editors: Liu Cheng UN649)
2016-04-30 04:34:33
China business daily

中国家庭财富调查报告：去年家庭人均财富14.4万

　　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、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。

　　城镇人均财富是农村3.22倍

　　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。

　　国家统计局2月29日发布了2015年国民经济和社会发展统计公报。公报显示，去年全国居民人均可支配收入21966元。

　　中国家庭财富调查报告对家庭财富的构成进行分析。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16.49%、15.96%和18.61%。

　　逾四成家庭储蓄为教育

　　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。

　　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%。 据新华社

(责任编辑：刘盛钱 UN649)
2016-04-30 04:34:33
华商报