| Household financial assets refer to the assets of the financial creditor's right hold by the residents, which includes cash, savings deposit, securities, insurance technical reserves, and so on. With the constant development of market economy, deepening financial reforms, the scale of household financial assets keep rising, and the structure has been further diversified.This thesis firstly gives an introduction of the latest study on the diversification of household financial assets at home and abroad, then reference the former research results and estimates the stocking of household financial assets in China. Secondly, on the base of statistical description of the Chinese household financial assets in the total amount and the structure, this thesis compares it with the present situation of overseas household financial assets, then, we find the deficiencies of our country household financial assets in the total amount, especially the structure. Finally, through the above research, this thesis sum up the economic variables which is the factors caused the household financial assets changed. Then, we take advantage of econometrics method to make model of the household financial assets and the influencing factors, accordingly, base the empirical study, we propose some policy recommendations.The scale of household financial assets development rapidly ,but, at the same time, there are still many problems to be solved. Savings deposits are still the mainly part of the household financial assets, comparing with the developed country , the non-monetary assets ,such as securities, which still take a low ratio. To a large extent, the scale and structure of the household financial assets reflect the degree of a country's economic finance. In order to promote Chinese household financial assets to be diversified, there are some problems should be solved, for instance, the resident's income level is somewhat low; stock market is still not standard; and, the low level of the social security. |
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