Study Of Residents' Financial Problems

The personal financial of planning is the inevitable results of the mareket economy which produces after the certain stage. From established the People's Republic of China to eht end of 70' age. people's food and shelter problem still couldn't solve completely, and peoples' property rights also couldn't obtain the correct understanding and the protection, was far from the inhabitant level radically managing finances; Penetrates gradually along with at the end of the 70's reform and open policy, the lives of the people level gradually enhances, also unceasingly can improve to the private property rights understanding and consummate, in 1999 promulgates "Law of contract", is a standard, the safeguard private property rights important basic law. But this kind of individual (operated privately) the economy and the public ownership system economy same level or the equality without doubt enable an inhabitant person to the property rights confirmation to obtain the policy and the legal support protection to property owner with the pursue, thus for realized the inhabitant individual individuality to be independent and freely to lay the material base. On January 1, 2000, "Individual Sole ownership Law of enterprise" the official implementation, symbolized China entered the time which the populace invests. But adapts with this, since the reform and open policy, the inhabitant has received the level rapid enhancement, the major part city and countryside inhabitant already the step of warm and sufficient condition level, and makes great strides forward gradually to the well-off family. The income level enhances, after the inhabitant expends appears surplus, personal finances the behavior then to arise at the historic moment personally.The statistical investigation indicated that, in the inhabitant family asset, the real estate occupies first, next is the financial property, approximately composes 35%, but deposit accounts for the financial property about 70%; The overall looked that, during 27 years from 1978 to 2005, our country city and countryside inhabitant savings deposit remaining sum grew nearly 700 times, the yearly average rate of rise almost is GDP yearly average rate of rise 2 times, the excessively high savings ratio on the one hand can enlarge the bank in the bank fund fluidity not strong situation the interest burden, increases the bank the fluid risk, on the other hand because the inhabitant family asset structure is unreasonable, can...