Study On Household Financial Portfolio Choice In China

With the rapid development of China's comprehensive national strength,social productivity has been unprecedented developed,and people's living standards improved rapidly.Currently,the accumulation of Chinese residents wealth has reached a certain level,and various forms of residents wealth asset accumulation are manifested.At present,China's financial markets continue to develop and progress,residents' acts of financial assets choice increasingly diverse,not only in the aggregate imbalance but also vary in structure and type of household financial behaviors.Thus,a series of worth exploring questions exist in the selection of household financial assets.This study analyzes the financial assets of residents from the start of the current situation and behavior theory,with the use of financial asset selection behavior theory,we analyzes the factors that influence the behavior of the residents choose and the financial assets under the new situation.In this study,by means of empirical research,we design the corresponding questionnaire and through the collection of relevant data collation,and drawn four factors which influence the behavior of the residents choose.In the study we found that in the selection process of residents' financial investment behavior,and demographic factors affect the residents most,and it has an impact of the kind of the financial assets purchase.Economic factors are the basis of class purchase of any financial assets,and are subject to a restricted income and net assets.Resident investor mentality and family structure although impact inconsistent types of investments,but there are differences in effect sizes.These findings have theoretical and practical significance for other researches.The study also focuses on the reasons of the resident's financial assets behavior,and the relevant factors were also analyzed from the perspective of individual residents,financial markets and financial systems in order to putting forward relevant proposals.