Family Financial Assets Development Empirical Study And Research Of China

Resident financial assets refer to financial debt and equity assets residents hold, which is an important part of domestic financial assets. The structure of resident financial assets is related to asset investment gains closely, thus asset returns can effectively promote the domestic consumption. In some developed market economic countries, resident financial asset returns tend to account for residents' disposable income by around 40%. Nowadays, how to broaden the residents financial investment channel, besides, change our country's structural imbalance problem that direct financing lags behind the indirect finance in the financial market has already become the main economic development research direction. Therefore, people pay more and more attention to the resident l asset issues, many experts and scholars have already launched researches on the residents' financial assets issues.This paper firstly reviews the researches regarding to resident financial assets and on this basis, an empirical research and analysis of residents in our country is launched to analysis the financial asset quantity and structure , wit the comparison of domestic and foreign country financial asset to probes trend of financial asset diversification. In addition, other relevant resident financial asset problems were discussed, including residents financial motivation for the choice of financial assets, many scholars have studied in this respect; this paper makes a preliminary study only.Secondly, on the basis of study mentioned above, this article analysis the change influence factors of Chinese resident financial assets from the macroscopic Angle, then, we established error model of resident financial assets influencing factors to examine the long-term equilibrium relationship between financial asset volume, economic development, income, consumption to give administration advice and provide certain reference so as to optimize the financial assets structure.In a word, many structural imbalance problems and issues were discussed, Finally, relevant policy Suggestions were put forward according to a financial asset analysis in view of the above several problems, to promote the healthy development of financial asset of residents in our country.