The Theoretical And Practical Analysis Of Trust Improving Chinese Residents' Financial Saving

In the part few years, there's unsteady and rapid growth of our residents' financial saving. Among the gross amount of savings, the proportion of deposits is too high, while securities and other financial assets are not in common residents' favor. Residents' financial savings not only affect the composition of residents' financial assets, but also influence the operation efficiency of financial market and allocation efficiency of market to a certain extent. Therefore, the optimization of gross amount and structure of residents' financial savings is required.There're many ways to realize optimization of residents' financial savings. And to introduce trust into residents' savings is an important way. Although residents' personal trust has very short history in our country, it seems that there's huge development space for personal trust, and residents' personal trust has many effects to residents' financial assets choice and resource allocation.This paper will analyze the reason of personal trust being introduced into residents' financial savings, and investigate the validation of models of residents' financial savings. Based on these, this paper makes analysis with characteristics and effects of the course that we introduce trust into residents' financial savings, and then find out specific way of residents' personal trust development. This paper includes 4 parts. In part 1, we make a brief introduction of domestic and foreign research on residents' savings models and personal trust, and we also introduce personal trust development at home and abroad. In part 2, we make strictly quantitative analysis on residents' financial savings with existed models, and then establish a residents' financial savings model suitable to our country. In part 3, we analyze the particular content of personal trust being introduced into financial institution and the particular superiority of personal trust in residents' financial savings choice. In part 4, we analyze the specific effect of residents' personal trust: the trend of residents' assets change and the variation of allocation efficiency of market. In part 5, we try to find specific ways to develop residents' personal trust under the improved institutional circumstance.