Our Residents' Financial Assets Diversified Trends And Countermeasures

Denizen's financial assets refer to the assets of the financial creditor's right held by the denizen and credence of rights and interests nature, which includes cash in hand, bank savings, and various bond and stocks, insurance of saving nature and bank savings of foreign currencies. The amount and structure of denizen's financial assets, to a greater extent, reflects the degree of a country's economic finance. Since China adopted the policy of reform and opening to the outside world, the degree of currency of national economy has greatly improved with the rapid development of economy. Meanwhile, the distribution of national income begins to make an inclination to individual denizen. Financial market, especially capital market witnesses great development. All these make it possible for denizen's financial assets increase a great deal in amount, and present a trend of diversity in structure. However, denizen's financial assets are characterized by increase of gross savings and it is still at a lower level. The lower-level financial assets structure has become an obstacle for rapid and steady increase for national economy.雷德�'�.W.戈德史密斯, an honored Professor of Yale university in the United States, thinks that financial development means the change of financial structure. The financial development process of western countries has testified this point.In this thesis, the author, based on China's denizen's assets, makes an analysis of connotation of denizen's financial assets, its relevance to economy, the condition of denizen's financial assets diversity. By making a theoretical analysis of diversity trend of denizen's financial assets in current China and influencing factors and relevant data testifying it, the author reviews denizen's choice in financial assets. The author thinks that at current times, the increase of denizen's income causes the increase of savings. While to achieve conversion from savings to other financial assets, and to make conversion from currency economy to financial economy, it is sensible to advance financial reform.