Statistical Research On The Change Of Household Financial Assets In China

In recent years, with the development of the socio-economic level In China and the increase of the rate between household income and national income, the household income level is improving ceaselessly. At the same time, the financial markets are well served with more financial instruments for investors. On the base of the lots of important element have gradually come to maturity, the scale and the structure of household financial assets have changed greatly.Flirstly, this paper analyzes the statistic phenomena of household financial assets in China and try to find out the causes which creat the existing conditions, then borrows ideas from the former research results and estimates the stocking of household financial assets in China. Secondly, on the base of using descriptive statistics to describe the the scale and the structure of household financial assets in China, this paper compares it with the present situation of overseas household financial assets from lateral angle and portrait angle and obtains the difference of household financial assets between China and foreign countries. Thirdly, following the conclusions of above paragraphs, this paper sums up the factors which influence the change of household financial assets in China from macroscopical angle. Fourthly, this paper takes advantage of econometrics methods to make model of the household financial assets and the influencing factors which influence the household financial assets, according to the results of analysising the modle, there is a long-term and balanced ralationship between the gross of household financial assets, the increase of economic, the household income and the household consumption. The government could optimize the structure of household financial assets through macro control policy. Finally, this makes a conclusion of whole content and brings forth some thinking for future research.