| The household investment behavior has been a significant part in modern economic life. It is the inevitable outcome of China's economic reform and also a demand for both deepening reform and economic development. Great changes have taken place on the household investment forms, range and channels since 1980's, especially on those aspects . of saving, securities and insurance. This paper, combining theory with practice, studies the motive and behavior of household monetary investment, lays special emphasis on the characteristics and function efficiency of household investment on those regions of bank saving, bonds and insurance. Its purpose is to provide a more profitable and high efficient scientific option for household monetary investment behavior. The thesis consists of six chapters. Chapter one discusses the relevant basic concepts, history and present state of theoretical study as well as the establishment course of the household as behaviors part in markets to prepare for the analysis of household investment behavior in our country's market system. Chapter two lays stress on the analysis of the characteristics of saving investment in household monetary investment as well as the reasons, positive and negative effects of high saving rate in order to establish a measuring standard of moderate saving. Chapter three analyses household investment behavior on bonds and stocks, lays emphasis on the development course of our country's bonds and psychological change as well as its reasons on securities investment by household. Chapter four studies the characteristics and reasons for the rapid development of household insurance investment in China. At the same time it clarifies some unclear understanding to the question of insurance investment. Chapter five analyses the virtues and defects, similarities and differences among bank saving, bond and insurance investment by comparison, so that risk decentralization and investment option can be made in monetary investment. Chapter six deals with the household investment behavior about capital asset allocation, including the capital asset option. composition and adjustment, in order to make a comprehensive survey to the behavior of the household monetary investment. The paper ends with a brief countermeasure on the basis of analysis above. There are some new points in this paper. In traditional economic books, household is viewed as consumers, but in this one it is viewed as an investment body that equal to company and government in status. At the same time this paper analyses the household investment behavior on those regions of bank saving, bonds and insurance, which not only widens economic research but also has guiding effect to household monetary investment. |
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