The 20 15 China Family Wealth Survey Report was released on April 28th. The report is based on the interview survey data of 268 counties12,000 households covering 25 provinces in China, covering the scale and structure of family wealth in China, urban-rural differences, financial assets and housing, family investment and financing decisions, and pension plans. , comprehensively and objectively reflects the basic situation of family wealth in China.
1. The per capita wealth of the family is 6.5438+0.4 million.
According to the latest survey report of family wealth in China released by Trend Research Institute, the per capita wealth of families in China is 20 144 197 yuan, of which the per capita wealth of urban families and rural families is 2083 17 yuan and 64780 yuan respectively. In addition to the differences between urban and rural areas, there are also some regional differences in family wealth. The per capita wealth of families in the eastern region is the highest, followed by that in the central region and the lowest in the western region. The per capita wealth of families in the eastern region is 1.44 times and 2.52 times that in the central region and the western region respectively.
Original report:
In 20 15, the per capita wealth of families in China was 144 197 yuan, of which the per capita wealth of urban families and rural families was 2083 17 yuan and 64780 yuan respectively. The per capita wealth of urban families is 3.22 times that of rural families. In addition to the differences between urban and rural areas, there are also some regional differences in family wealth. The per capita wealth level of families in the eastern region is the highest, followed by the central region and the lowest in the western region. In terms of figures, the per capita wealth of families in the eastern region is 187793 yuan, while that in the central region and the western region is 130708 yuan and 745 13 yuan respectively. The per capita wealth of families in the eastern region is 65,438+,which is 0.44 times and 2.52 times that of the central region and the western region respectively.
This report classifies the samples according to the characteristics of household heads and investigates the per capita wealth of each sub-sample. The per capita wealth of families classified according to the education level of heads of households varies greatly with different education levels of heads of households. For example, the per capita wealth of a household with a bachelor's degree or above is 4.48 times that of a household with a primary school education or below. It can be seen that with the improvement of the education level of the head of household, the per capita wealth of the family shows a gradual increase trend. Judging from the growth rate, different education levels have different effects on the growth of per capita wealth. For urban families, the change of the education level of the head of household from junior high school to senior high school can bring the greatest increase in the per capita wealth of the family; For rural families, the change of the education level of the head of household from high school to junior college will maximize the per capita wealth of the family.
Besides education, health is also an important part of human capital. Health promotes income and wealth. It can be seen that the health status of the head of household has a great influence on the per capita wealth of the family. The per capita wealth of households with good, average and poor heads of health is 165366 yuan,11919 yuan and 44632 yuan respectively. In urban samples, the gap between the per capita wealth of families with good health and those with average health is small, but it is large in rural samples. However, in the urban sample, there is a big gap in per capita wealth between the health status of the head of household and the families with poor health status, but this gap is smaller in the rural sample.
The report also classified the samples according to the occupation of the household head's work unit. Households headed by units or departments have the highest per capita wealth. In the national sample, the per capita wealth of families headed by units or departments reaches 3 14520 yuan. In urban and rural samples, the per capita wealth of households headed by units or departments is 352,263 yuan and 1, 380,21yuan respectively. Households headed by unskilled workers or farmers have the lowest level of per capita wealth. In the national sample, the per capita wealth of households headed by unskilled workers or farmers reached 66,625 yuan. In urban and rural samples, the per capita wealth of households headed by unskilled workers or farmers is 1 12 100 yuan and 46708 yuan respectively.
Second, 70% of the assets are in houses, and towns are higher than rural areas.
According to the latest Survey Report on Family Wealth in China released by Trend Research Institute, the net value of real estate accounts for 65.61%of the national average household wealth; In the per capita wealth of urban and rural families, the proportion of net property value is 67.62% and 57.60% respectively. The investigation and analysis show that the urban housing market is relatively active, the expectation of urban housing appreciation is high, and the property value of family-owned housing is also highly correlated with the per capita income of the family and the education level of the head of the household. The higher the family income, the higher the net housing value. The higher the educational level of the householder, the higher the net housing value.
Original report:
Judging from the composition of family wealth, the net value of real estate is the most important part of family wealth. In the national family per capita wealth, the proportion of net property value is 65.61%; In the per capita wealth of urban and rural families, the proportion of net property value is 67.62% and 57.60% respectively.
According to this survey, the average housing value of China residents is about 6.5438+0.6 million yuan, of which the original value of housing owned by urban residents is about 250,000 yuan, and that of housing owned by rural residents is about 90,000 yuan, the former is about 2.6 times that of the latter. Due to the rising real estate market price in China in recent years, the present value of housing owned by residents is much higher than the original value. The present value of housing owned by China residents is about 31100,000 yuan. Among them, the present value of housing owned by urban residents is about 530 thousand yuan, and the present value of housing owned by rural residents is about 6.5438+0.5 thousand yuan. The former is about 3.5 times that of the latter. Generally speaking, the value of urban housing is rising faster than that of rural housing. But what is more interesting is the debt arising from the purchase and construction of houses. The national scope is about 1.29 million yuan. Among them, the average housing debt of urban residents is about 20 thousand yuan, and the average housing debt of rural residents is about 0.74 thousand yuan. The former is 2.7 times that of the latter. The gap is higher than the original value but lower than the present value.
The family wealth survey takes the per capita income of families as the standard, and divides the national and urban and rural households into ten groups, and the distribution of family income groups in the table is arranged from low to high. As far as the national situation is concerned, the higher the income, the higher the original value of housing. Among them, the original value of housing owned by the family with the highest income 10% is 5.5 times that of the family with the lowest income 10%. This survey uses the income of the tenth group of families to analyze the present value of houses owned by residents. As far as the national situation is concerned, the higher the income, the higher the present value of housing, which shows that the present value of housing is significantly related to income. Among them, the present value of housing owned by families with the highest income 10% is 6.9 times that of families with the lowest income 10%, which greatly exceeds the corresponding proportion of the original value of housing.
The debt caused by housing has complex influencing factors. But this does not mean that housing debt cannot be relied upon. In fact, there is a certain relationship between housing debt and the age of the head of household. From the national situation, households headed by households aged 26-35 and 45-59 have more housing debts, which are significantly higher than other age groups. The situation in cities is similar to that in the whole country, and the family housing liabilities of these two groups are significantly higher than those of other groups. However, the situation in rural areas is slightly different. The age group of 26-35 is indeed the highest, significantly higher than other age groups. However, although the housing debt of the 45-59 age group is also the second highest group, it is basically the same as that of the 36-45 age group.
Third, the loan to buy a car is less than 20%
The latest report of China Family Wealth Survey released by Trend Research Institute shows that the urban and rural family car ownership rate is 3 1.8%. Families with two or more cars accounted for 3.48% of the total number of families surveyed. The average car ownership per 100 families is 39.8, and the car ownership rate of urban families is 65438+ 0.55 times that of rural families. However, the popularity of household consumption credit is not high, and the number of families who buy cars through loans is small, accounting for only 18% of car families and 6.5% of all surveyed families. Most families who borrow money to buy cars are concentrated in urban areas.
Original report:
From the perspective of the per capita movable property structure of families, family cars are the most important part of the per capita assets of urban and rural families. Based on the market price, the average car valuation of urban and rural households is 10405 yuan, accounting for 68.57% of the average family movable property. The per capita car valuation of urban and rural residents is 150 12 yuan and 4698 yuan, respectively, accounting for 67.96% and 7 1.06% of the per capita movable property. The per capita valuation of urban residents' family cars is 3.20 times that of rural residents, but its proportion in the per capita movable property of families is 3. 10 percentage points lower than that of rural residents. Other ingredients also have certain differences between urban and rural areas.
With the increasing income of urban and rural families and the increasing demand for cars, cars gradually enter the homes of ordinary people. The car ownership rate of the families surveyed is 3 1.8%, some families have more than one car, and families with two or more cars account for 3.48% of the total families surveyed. The average number of cars per 100 households is 39.8. There is a great difference in car ownership between urban and rural areas. The penetration rate of family cars in cities and towns is high, and the family car ownership rate is 37.86%, which is 1.55 times that in rural areas. By region, the family car ownership rate is relatively high in economically developed provinces, such as Beijing, Shanghai, Zhejiang and other provinces and cities.
The penetration rate of consumer credit is not high. Some car-owning families use loans to buy, but the scale is not high, accounting for only 18% of car-owning families and 6.5% of all surveyed families. Most families don't use loans to buy cars. Families with loans to buy cars are also concentrated in urban areas. In addition, only 14.42% of the families surveyed will consider using loans to buy a car in the next five years. The willingness of families in urban areas to use loans to buy cars is higher than that in rural areas, with significant differences. From the family characteristics, young householders are more likely to accept loans to buy cars than older householders. The higher the education level of householders, the higher the proportion of householders who are willing to buy a car with loans.
The use of family cars mainly includes production and life. The survey shows that the use of family cars is mainly to improve the convenience of life. Of all the families with cars, only 26.7% own the production and operation of cars. 2 1.6% cars in cities have families, and 37.6% cars in rural areas have families, which shows that urban families buy and use cars for convenience and enjoyment, and rural families use cars more for production and operation to earn income than urban families. A car is more than just a consumer product.
40% to 40% families save money for their children's education.
According to the latest survey report on family wealth in China released by Trend Research Institute, "preparing for children's education" ranks first among the main reasons for family savings, and more than 40% of families regard it as the reason for saving. The second is "dealing with emergencies and medical expenses", "preparing for old-age savings", "unwilling to take investment risks" and "preparing for buying a house or decorating". Preventive motivation is the main motivation of saving behavior of urban and rural families. Among the banks that urban and rural families often handle savings business, the top six are China Agricultural Bank (24.52%), China Industrial and Commercial Bank (19.45%), local commercial banks (17.24%), China Construction Bank (13.93%) and Postal Savings Bank.
Original report:
Current income can be used for current consumption, and funds not consumed in the current period constitute savings. Among the main reasons for investigating family savings, "preparing for children's education" ranks first, and more than 40% of families regard it as the reason for saving. Followed by "dealing with emergencies and medical expenses", "preparing for old-age savings", "unwilling to take investment risks" and "preparing for buying a house or decorating". The main reasons for urban and rural savings are basically the same. The first three items are all large expenditures to deal with future uncertainties. This shows that the savings behavior of urban and rural residents has a strong preventive motivation.
The distribution of the new savings in the sample households in the past year as a percentage of household income is: 39.66% of the sample households' savings as a percentage of income is less than 10%.
22.62% of households' new savings account for (10%, 20%), and 19.47% of households' new savings account for (20%,
30%], 8.47% of households' new savings account for (30%, 40%), and 4.5% of households' new savings account for (40%,
50%], 2.35% of households' new savings account for (50%,
60%], more than 60% of households have relatively small savings levels. Generally speaking, more than 80% of households spend less than one-third of their income on savings. The saving ability of urban families is stronger than that of rural families.
The main types of household savings are demand deposits from high to low, accounting for 48.23%; Fixed deposit lump sum withdrawal, accounting for 23.08%; Unclear, accounting for 9%; Time deposits are fixed by stages, accounting for 8.49%. The top cities and towns are demand deposits, accounting for 46.2%; Fixed deposit lump sum withdrawal, accounting for 25.37%; Time deposits are withdrawn by installments, accounting for 9.53%; I don't know, accounting for 7.28%. The first few types of rural residents' savings are demand deposits, accounting for 51.16%; Fixed deposit in lump sum, accounting for19.78%; Unclear, accounting for11.5%; Time deposits are lump-sum deposits and withdrawals, accounting for 6.97%.
Among the banks that urban and rural families often handle savings business, the top six are: 1, Agricultural Bank of China, accounting for 24.52%; 2. China Industrial and Commercial Bank, accounting for 65,438+09.45%; 3. Local commercial banks, accounting for 65,438+07.24%; 4. China Construction Bank, accounting for 65,438+03.93%; 5. Postal Savings Bank, accounting for13.67%; 6. Bank of China, accounting for 5.75%. On the evaluation of the banks that mainly handle savings business, 72. 17% of the households are satisfied with the banks that serve them, 4.98% are dissatisfied, and 22.85% think that the banking services are average. Further analysis shows that the satisfaction of urban and rural families with banks is basically the same. Compared with other age groups, the proportion of highly educated families is low, and the proportion of families whose employment units are party and government organs, state-owned enterprises and Sino-foreign joint ventures is low.
Professional financial planners are very popular.
According to the latest survey report on family wealth in China released by Trend Research Institute, among the families that have invested in various financial products in China, the participation of stock investment is the highest, accounting for 7.35% of all the families surveyed, with fund investment accounting for 4.52% and collection investment accounting for 3.53%. 10.56% of urban families have invested in stocks, which is about four times that of rural families. The survey shows that rational investment is the mainstream, and 57.48% of the respondents have a positive attitude towards the opinions of family, friends and colleagues, and the role of professional financial planners is prominent.
Original report:
Due to the increase of residents' savings, the proportion of investment income in the income structure is increasing, and the awareness and participation of urban and rural residents in financial investment are improved. The form of property is no longer a single bank deposit, but is embodied in stocks, funds, bonds, commercial investment, collections and other types.
Among the families that participated in all kinds of product investment, the participation of stocks was the highest, accounting for 7.35% of all the families surveyed, followed by funds, accounting for 4.52%. The participation of collections is the lowest, only 3.53%. In terms of urban and rural areas, the proportion of households participating in various product investments in urban areas is higher than that in rural areas. In particular, 10.56% of urban households participated in stock investment, which is about four times that of rural households. From the characteristics of householders, in the low-age group and the high-education group, householders are employed by Sino-foreign joint ventures, party and government organs, institutions and private enterprises, and their professional types are heads of units or departments, professional technicians and clerks, and the proportion of investment participation in various products is higher than other groups.
In the process of investment, 7.86% of families are willing to take more risks in order to get more investment income, 17.28% of families are only willing to take less risks, and their income standard can be lowered accordingly. 1 1.75% of families only take less risks and have low income requirements.1633. The higher the education level of the householder, the more obvious the willingness to take more risks and gain more investment income.
Families that invest in various products do not blindly invest in financial management. More families show rationality, and they will get advice and guidance from various ways and channels to spread risks and realize the preservation and appreciation of capital. Among them, the respondents agreed with the opinions of family, friends and colleagues, and 57.48% were positive about referring to their opinions. In addition, the role of professional financial planners is prominent. More and more families think that professional financial planners can provide practical help. Not only 40.87% of the respondents have a positive attitude towards the opinions of professional financial planners, but also 28.04% of the respondents will refer to the opinions of professional financial planners when actually investing in product portfolios. Further analysis shows that families in urban areas agree with the role of professional financial planners more than those in rural areas.
Six, nearly half think that the old-age planning should be done before the age of 50.
According to the latest report of China Family Wealth Survey released by Trend Research Institute, most people expect a low income level after the age of 60. 33.28% people expect their income to be less than 30% before the age of 60, and 60.07% residents expect their income to drop by more than half after the age of 60.
The survey results show that in order to achieve an ideal standard of living in old age, 48.29% of people think that the pension plan should be made before the age of 50, and 33.84% of the respondents think that the pension plan should be made at the age of 5 1-60. Urban residents make pension plans earlier than rural residents, and families with higher incomes make pension plans earlier. Serious illness, accidents, helping children, daily consumption and inflation rank in the top five, and 8. 16% of the respondents bought commercial pension insurance to cope with the risks of old-age care.
Original report:
According to the statistical bulletin of national economic and social development in 20 15, the proportion of the elderly population aged 60 and above in the total population in China has reached 16. 1%, and the proportion of the elderly population aged 65 and above has also reached 10.5%. Under the background of the accelerated development of aging, the problem of providing for the aged has become the focus of social attention.
Judging from the survey data, most people have low expectations for the income level after the age of 60. 33.28% people expect the income after 60 to be lower than 30% before 60. It is estimated that after the age of 60, the income will drop by more than half, reaching 60.07%. 20.59% people expect that the income after the age of 60 will account for 50% to 80% of that before the age of 60, but 6.52% people still expect that the income after the age of 60 will exceed the level before the age of 60.
Although everyone's ideal living standard is different, on the whole, people who are confident to reach the ideal living standard in their later years still account for the vast majority. Specifically, regarding the degree of confidence in reaching the ideal living standard after the age of 60, the proportion of respondents who are very confident, relatively confident, not very confident, have no confidence at all and don't know is 16.7%, 38.9%, 2 1.25%, 9.23% and13.99, respectively. Compared with rural residents, urban residents have stronger confidence in reaching the ideal living standard of the elderly, which is consistent with the conclusion that urban residents have higher expectations for the income level of the elderly.
To achieve the ideal living standard of the elderly, it is necessary to make a good pension plan in advance. However, everyone's planning time is different. 8.4 1% people think that they should make a good pension plan before the age of 30, while 10.7% people think that they should consider the issue of pension after the arrival of old age. In addition, nearly half of the population made a pension plan before the age of 50 (48.29%), and the proportion of people who chose to make a pension plan at the age of 5 1-60 reached 33.84%.
Most people are worried about the situation that is difficult to cope with after 60 years old. Only 6.74% people think there is no need to worry, and the corresponding proportion is 5.72% in rural areas and 7.46% in cities. Among the things that are difficult for the elderly to cope with, the top five are major diseases, accidents, helping children, daily consumption and inflation, accounting for 74%, 45%, 13. 19%, 12.32% and1/kloc-0 respectively. The data shows that 43.87% people have purchased different kinds of commercial insurance to cope with the risks of providing for the aged, and the corresponding proportion of urban residents is higher than that of rural residents, accounting for 44.03% and 43.64% respectively. It may be because serious illness is generally regarded as the most difficult thing to deal with in old age, so the proportion of medical-related insurance is the highest, of which the proportion of general medical insurance is 27.84%, while the proportion of serious illness insurance is 8.42%. Apart from medical insurance, the insurance with the highest purchase ratio is commercial endowment insurance, which is 8. 1.06%, and the purchase ratios of life insurance and property insurance are 4.79% and 1.07% respectively.