The Research Of Influence Of The Behavior Of The Chinese Resident's Money Management By The Pattern Of Save-consume

This paper focuses its topic on the China resident's money management. By synthetically capitalizing on the theoretical system of modern economics, statistics, the paper expatiates upon the development of China resident's money management and explores the general rules of resident's money management. Based on the study, this paper puts forward some suggestions and countermeasures on the problems about resident's money management.With the increase of the economy in China, the level of the resident income is becoming higher and higher. For the ever-increasing family wealth, people have the demand of money management. In the first part, the paper examines the evolvement of China resident's money management. The main study theme of part 2 is about the concept about consume-save and money management, this paper analyze the consume-save theory of the West combining the Chinese economy situation. Concerning the practice research of money management, this article discusses from the macro condition and micro individuality respectively. On the macro, it combines with the system conditions of different periods in our country to analyze the resident's behaviors of save-consume, and makes a conclusion that the changes of the Chinese system influence the people's expected income, and force the resident to change the behaviors of money management. To the individuality, it describes the different money management behaviors as saving and consuming at different life stages, and draws the conclusion that the individual status influence the pattern of save-consume, and make people change the behaviors of money management. At last, it concludes that the pattern of consume-save influences the behaviors of resident's money management by the factor of income, interest , expectation, wealth, durable goods. In the end of this paper, it makes some policy suggestions from the problems met at present stage of the money management, and puts forward the next research and expectation of money management.