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毫无疑问,家庭理财对于中国城市居民特别是大城市居民来说,已不是一个陌生的概念。这一概念流行的背后是人们可自由支配收的不断增长和金融市场化程度的逐渐提高。有人称,中国已进入大众投资时代。那么,今日中国大城市居民家庭究竟是如何选择各种理财方式的呢?北京勺海市场调查有限公司1997年4～5月间受中国工商银行总行储蓄部的委托,在北京、上海、广州、武汉、成都、重庆、西安和沈阳七城市范围内进行了一项题为《中国工商银行储蓄服务》的入户抽样调查,其中有关居民理财风格的调查,在一定程度上回答了这一问题。
There is no doubt that family financial management is no longer a strange concept for Chinese urban residents, especially those living in big cities. Behind this concept popularization is the continuous increase in disposable incomes and the gradual increase in the degree of financial marketization. Some people say that China has entered the era of public investment. So, how to choose a variety of financial management methods for the residents in large cities in China today? Beijing spoon Sea Market Research Co., Ltd. from April to May 1997 by the Industrial and Commercial Bank of China Bank savings commissioned in Beijing, Shanghai, Guangzhou, Wuhan, Chengdu, Chongqing, Xi’an and Shenyang within the scope of seven cities entitled “Industrial and Commercial Bank of China savings services,” the sample survey of households, of which the survey of residents’ wealth management style, to some extent, answered this question.