Study On The Net Increase Effect Of Wealth About Urban Residents Financial Assets In Gansu Province

Financial assets has become one of an important part of urbanresidents’ assets, it is the intangible assets that have the right to claim thephysical assets. Urban residents choose the amount and type of financialassets according to their own economic conditions and the ability of bearrisk in the process of investment, forming a configuration structure ofresidents’ financial assets. Urban residents configuration structure of thefinancial assets have the ability to influence their disposable income level.This ability embodies the following aspects such as the types and thenumber of financial assets they held, and the financ ial asset returns thatthey hold can change their level of disposable income and the net increaseeffect of their wealth.In this paper, we study on the net increase effect of wealth abouturban residents’ financial assets in Gansu province.It mainly analysis theeffect of the increase of the disposable income that the allocation of theurban residents’ financial asset in Gansu province.This article describesthe allocation structure of the urban residents financial assets in Gansuprovince. Systematically on the basis of the definition of some conceptsuch as assets, financial assets, the disposable income, property incomeand so on. Because there are many uncertain factors, the allocationstructure of urban residents financial assets in Gansu province isinfluenced by a variety of reasons.This paper analyzes its impact on the allocation structure of urban residents’ financial assets in our province onthe basis of the research of financial institutions system, residents’disposable income, financial knowledge level, investment channels andso on. The article concludes that the contribution that the urban residents’financial asset make on the disposable income of the urban residents islimited by using the least square method to make the empirical analysison the basis of the research of the urban residents’ disposable income inGansu province, net operating income, transferable income and differentkinds of financial assets interests. The research also suggests that thedirect reason of the low interests of financial assets is that the allocationof the financial assets owned by urban residents is unreasoned. However,the fundamental reason is that the allocation system of resources in thefinancial market is not perfect.Finally, this paper makes a series of policy proposals to perfect theallocation of the urban residents’ financial assets, guide the urbanresidents in Gansu province to make reasonable financial investment,improve urban residents’ property income and further more to increasethe growth of urban residents’ wealth and narrow the gap between therich and the poor.