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中国将较长时期保持宽松的货币政策环境,流动性相对过剩背景下居民对剩余资产保值增值的意愿更加强烈。中国居民家庭资产配置结构特征表现为:家庭金融资产总量偏低,非金融资产比重过大;居民投资理财以储蓄存款、银行理财等传统金融产品为主,储蓄占比下降;互联网金融投资比例不高。中国居民家庭资产配置障碍与社会保障制度,金融市场发展成熟度,金融中介创新能力弱、服务水平不高,投资行为信息不对称等密切相关。应完善包括住房、教育、养老、医疗在内的社会保障制度;加强中国金融机构建设;鼓励金融工具创新;完善互联网金融机制,强化行业自律建设;推进金融知识普及,引导家庭理性参与金融市场。
China will maintain a relaxed monetary policy environment for a longer period of time, and its residents will have greater willingness to preserve and increase the value of the remaining assets against the backdrop of relative excess liquidity. The structural characteristics of household asset allocation in China are as follows: the total amount of family financial assets is low and the proportion of non-financial assets is too large; the investment and wealth management of residents is dominated by traditional financial products such as savings deposits and bank financing, and the proportion of savings is declining; and the proportion of Internet financial investment not tall. The obstacles to the allocation of assets of Chinese households are closely related to the social security system, the maturity of financial markets, the weak innovation capacity of financial intermediaries, the low level of service, and the asymmetric information of investment behaviors. The social security system including housing, education, old-age care and medical treatment should be perfected. The construction of China’s financial institutions should be strengthened. Financial instruments should be encouraged to innovate. The Internet financial mechanism should be improved to enhance self-discipline in the industry. Financial knowledge should be popularized and families should be rationally involved in financial markets.