Recently, the Chinese official media has released the China Household Wealth Survey Report 2019, which covers information related to the Chinese household wealth this year. This report mainly analyzes the current situation of Chinese household wealth, compares the urban and rural household property, discusses the distribution of household property and the proportion of real estate in the total household assets. With an overall analysis of household assets, this report reflects the distribution of Chinese household property at the current stage.


According to statistics, the per capita household property in China in 2018 was RMB 208,900, up 7.49% from 2017.

The per capital household property amounts to RMB 200, 000. Do you reach such standard?

This report is of great importance for all people, as they can check their inadequacies in household asset allocation according to this report.

In terms of financial investment, the reports in 2018 and 2019 mentioned the “simple structure of financial assets”


In terms of investment style, the report 2018 emphasizes the prudence of Chinese residents’ investment concept in the parts of “Strong Demand on Precautionary Savings” and “Prudent Household Liability Concept”, while the report 2019 highlights in its subtitle the “Group Difference in Financial Investment”, rather than the prudence of Chinese residents’ investment style.

Reasonable Asset Allocation Starts from Sound Wealth Management 

According to this report, the growth falls from 14.94% of last year, but is higher than the GDP growth (6.1%) on the whole.

Apart from the tightening regulation, the difficulties in the wealth management industry are also associated with the slowdown in residents’ wealth growth which is highly correlated with the development of the residents’ wealth management market. That also reflects that the residents’ wealth management market is much more promising than most of other industries.


According to the China Household Wealth Survey Report 2019, “asset allocation and wealth gap are closely related to China’s economic and social development. The slightly large proportion of real estate, the simple structure of financial assets, and the relatively high precautionary savings all run counter to the expansion of domestic demands, resulting in the weak growth in domestic demands. The simple asset structure has a more adverse effect on the resistance of asset risks and the steady growth of residents’ property. The large wealth gap also has negative influences on labor supply and production investment. Therefore, in consideration of unreasonable asset allocation and growing wealth gap, it is necessary to issue practical policies to transform residents’ investment expectations and narrow the wealth gap.


Nowadays, the allocation structure of Chinese household financial assets is still unbelievably simple. The main allocation ways are cash, current deposits and time deposits. The three kinds of assets account for 88% of the total household wealth in China. Unexpectedly, in 2019, so many families still don’t know how to manage money and are used to saving money in banks. Therefore, expanding domestic demands, transforming the unreasonable asset allocation, and improving residents’ investment expectations are imperatives to reduce the wealth gap. But we are still faced with such hindrances as large proportion of real estate, high proportion of savings, and simple asset structure.

As a simple asset structure can hardly resist risks, we are in an urgent need to reasonably realize allocate assets, find proper wealth management products, and cling to high-quality capital service platforms.

Realize “Wealth Dream” by Professional Finance

Chinese residents’ wealth growth is obviously slowing down and the deformed asset structure is also a great concern. Among all the assets, real estate accounts for over 70%, and financial assets over 90%. Such a poor structure is closely related to the residents’ immature investment concept.


Chinese residents choose high savings mainly for emergencies, medical expenditures, pensions, and children education. But can high savings really solve these problems? For emergencies, more savings are not as good as more wealth returns. For pensions and children education, the rate of return on savings may not exceed the speed of inflation. In several decades, the hard-earned money we have saved for years will have less purchasing power than before. Inflation greatly dilutes the purchasing power, while investment can well maintain and increase wealth. That is the largest point of investment and wealth management.


SENDKING Viewpoint

In this regard, it is of great importance to choose a professional and reliable financial institution to help us realize the “wealth dream”. As a professional, innovative, safe, and prudent financial platform, SendKing is the primary choice for customers to realize wealth appreciation. Owing to the complete risk control system and capacities, we have achieved “zero default”. We always keep our promises and firmly lead our customers toward success in wealth management.

SendKing not only provides all customers with diversified financial products, but also helps them improve their capabilities in investment and financial management. Nowadays, as the wealth gap is becoming larger and larger, it is necessary for us to improve financial awareness and abilities, distribute assets reasonably, develop insight into investment, and master basic investment skills, for the purpose of long-term prosperity.

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