Analysis Of The Financial Assets Structure Of Urban Residents In Gansu Province

With the rapid growth of the total financial assets of urban residentsincreasingly complex financial asset selection behavior, questions aboutaspects of urban residents and the structural characteristics of thefinancial assets and other factors, caused widespread concern. In recentyears, the total financial assets of urban residents in Gansu Provincerising, the status of urban residents in Gansu economic development hasbecome increasingly important; study how to improve the financial assetstructure of urban residents in Gansu Province, to further promote savingsinto investment promote economic development in Gansu Province hasimportant theoretical and practical significance.In this paper, the theory of household financial assets are selectedbased on clearly defined concepts of urban residents financial assetsstructure and estimation methods for urban residents financial assets.Four specific aspects of sub-hand cash, savings deposits, securities,deposit insurance, on the status of stocks and flows and changes incharacteristics of urban residents in Gansu Province, the financial assetsof a comprehensive statistical analysis. Results: Overall, the trend of thestock structure and flow structure of household financial assets arebasically the same, but the volatility of financial assets flow structure isrelatively large; the structure of financial assets held diversified trendabout urban residents in Gansu Province; For different types of financial assets, the stocks and flows of savings deposits has maintained arelatively high proportion, followed by cash on hand, while marketablesecurities and savings insurance of stocks and flows are maintained at alow level.For urban residents in financial assets complexity of structure factors,this paper based on the reality of Gansu economic and financial marketdevelopment, focusing from the financial system, household disposableincome, the residents affected by many aspects of education andconsumption levels in Gansu factor structure of urban residents in theprovince of financial assets in-depth analysis. On this basis, select therelevant variables by ADF unit root test, Johansen cointegration test andbuild the vector error correction model, the factors affecting the financialasset structure of urban residents in Gansu Province empiricaltest.Conclusion display: the long term, there is a certain balance betweenthe financial asset structure of urban residents in Gansu Province andvarious influencing factors; But the short term, the impact of variousfactors on the residents of different types of financial assets held by thesituation and the existence of a significant species differences in thedegree. Excluding statistical data sources, empirical analysis and testmethods to select the variable aspects of the limitations of this conclusionto some extent explained, subject to various adverse factors such asenvironmental conditions in financial markets, choice behavior of urban residents in Gansu Province immature financial assets residents offinancial assets held by the structure to be further optimized.Therefore, this article from promoting financial product innovation,development and improvement of capital markets, strengthen financialawareness and other aspects of the residents on how to further optimizethe urban residents in Gansu Province, the proposed structure of thecorresponding financial assets suggestions.