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Chinanews, Beijing, Apr. 9 – 2007 might be considered as an “investment year for the Chinese public.” When most people used to queue for a house, in 2007, they shift to banks and other places eager to buy funds, stocks, finance management products or insurance products, the Legal Evening News reported.
Recently, the Finance Research Institute under the State Development and Reform Commission and the Beijing Liaowang Investment Consulting Co., Ltd jointly1 issued the "Survey Report on Chinese Finance Management Products Buyers in 2007". In order to make this report, the two institutions issued 50,000 questionnaires and retrieved2 2,217. The survey took 5 months to finish. It can be regarded as the most authoritative3 and most comprehensive survey report on Chinese investors4 so far. The report shows that in terms of age, 80% of finance product buyers are people over the age of 30. The number of buyers who were born after the 1980s increase considerably5, while people who are above the age of 60 also account for 10% of the total number of investors. The report also shows that 85% of investors work in fields that are unrelated with finance industry, while people who do work in financial sector6 account for only 14.5% of the total buyers. This shows that finance management has “entered into a grassroots level”, according to an expert from the Finance Research Institute under the State Development and Reform Commission. The report shows that most investors fall into a group whose annual disposable family income is around 100,000 yuan. Wage-earners are the main buyers of financial management products. Information shows that people with a disposable income of less than 50,000 yuan and people with a disposable family income of 50,000-100,000 yuan account for 31.6% and 39.4% of the total number of buyers, respectively, and people with a family income of 100,000-200,000 yuan account for 18.3% of the buyers. According to economists7, this indicates that financial management products have become popular products among the Chinese public, with wage-earners being the main buyers group of these products. When asked why they buy these products, 54% of the respondents say they want to “retain or increase the value of their assets”, 24% of the people buy them for “their pension plan”, and 10% of them buy them to “meet their children’s educational expenses”. Also, a small portion of people say they buy financial management products to pay for their medical expenses, to buy a car or a house.
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