Study On Chinese Urban Households Financing Pattern

The course of more than three decades’ reform and opening in China,is themarket-oriented macro-economic growth process,but also the process that householdconsumption demand continue to meet and upgrade,residents’ disposable income isincreasing,people’s living standards gradually improved,completed the "survival-typestandards to subsistence standards to well-off standards "of the three jumps, householdassets Increase gradually, the residents of household assets has become an importantpart of national wealth. However, compared with the developed countries, China’surban family’s financial management still shows lots of problems andshortcomings.Lacking of professional skills and experience makes it difficultto achieve their financial goals through the rational arrangement of assets, so theresearch on family’s fortune preserve and increase has great significance.This thesis expound the situation of Chinese household financing. Then proposedthe optimal financial management mode of different families by correlation coefficientand covariance of main financing tools of household’s investment by Markowitzmodel.At last proposed the measures to improve family financial from the perspectiveof domestic investors, government and institutional investors.