中国居民资产配置趋势及商业银行对策

从近年来中国居民金融资产变化情况来看,在金融资产总量急剧增加的同时,资产结构也由原来单一的银行资产向多元化方向发展,但储蓄存款仍居主导地位,人均居民金融资产水平也较低。后危机时期居民金融资产总量增长空间仍然较大,资产多元化趋势将更加明显,这意味着储蓄存款将持续减少,而证券、基金、保险、信托、银行理财产品等新型金融产品的投资将日益扩大,居民资产配置以储蓄为主的格局仍将持续较长时间。这为商业银行发展带来两个机遇:一是为商业银行实现经营转型带来了发展机遇;二是为商业银行个人资产管理业务带来了发展机遇。

The Trend of Asset Allocation of Chinese Residents and the Counter-Measures of Commercial Banks

The change of the structure of financial assets held by Chinese residents shows the following characteristics:along with the sharp increase of total financial assets,asset structure shifts from originally single banking assets to diversified ones;savings deposit occupies the dominant position,and per capita financial assets is still low.During the post-crisis era,the total financial assets of residents possess huge increase potential,and the diversification trend of asset structure will be more obvious.Under such trend,savings deposit will continuously decline,investment in new financial products,such as security,funds,insurance,trust and wealth management products provided by banks,will increasingly expand,and the dominance of savings in residents’asset allocation will persist in the long run.Such development trend of asset allocation of Chinese residents will provide scarce chance for commercial banks in both business transformation and personal asset management business.