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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, invests 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.
Source: Xinhua
Original title: report on surveys of household wealth in China (2016) Enterprise social insurance rates did drop treatment
Last updated: 04/29 14:58
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