云鹏

YunPeng

　　汇丰银行（中国）8日发布《2012中国家庭理财状况调查报告》，报告显示，中国家庭的流动资产均值为38.6万元，实现资产增值是中国家庭理财规划的首选目标，其次为保障子女教育和安排退休生活。在各投资类别中，持有存款（包括本外币）的家庭占87%，而投资股票的家庭占66%，基金60%，保险58%以及银行理财产品40%。

HSBC bank(China)8 issued[2012 China family financial status report],The report shows that,The flow of Chinese family assets mean for 386000 yuan,Achieve assets value-added is China's family financial planning the first target of,Secondly to protect children education and arrange retirement life.In the investment category,Hold a deposit(Including foreign currency denominated)Family accounted for 87%,And invest in stocks family accounted for 66%,Fund 60%,Insurance 58% and bank financing products 40%.

　　调查显示，过去一年中，超过六成的受访家庭表示实现财富增长。而23%的受访家庭表示承受了资产减值，这些家庭的资产配置多以股票和基金为主。从亏损和收益的角度来看，受访家庭表示，可承受的最大亏损主要集中在5%至20%；而可接受的银行理财产品的最低收益率主要分布在3%至5.5%。

Investigation shows that,The past year,More than sixty percent of the respondents said to realize the wealth growth.While 23% of respondents said inherit the impairment of assets,These family asset allocation in stocks and funds primarily.From the point of view of losses and gains,Respondents said,May withstand the biggest loss mainly concentrated in the 5% to 20%;And acceptable bank financing products of the minimum rate of return is mainly distributed in the 3% to 5.5%.

　　就理财产品的期限而言，报告发现最受欢迎的期限为4至12个月。其中，低年龄段家庭更关注6个月以下的短期理财产品，而高年龄段家庭更关注中长期理财产品。未来计划送子女出国留学的比例增幅较大。

Will financial products in terms of the time limit,The report found that the most popular term for 4 to 12 months.the,Low age more attention to family under 6 months of short-term financial products,But high age family more focused on long-term financial products.Future plans to send their children to study abroad proportion was bigger.

　　在财富管理的态度上，中国家庭较为关注投资需求和保障需求的平衡。落实在理财规划时，他们首要考虑的三方面分别是：实现资产增值（68%的家庭）、保障子女教育（57%）及安排退休生活（46%）。中国家庭持有的最多的5类金融产品分别是人民币存款（84%）、股票（66%）、基金（60%）、人寿保险（46%）和一般银行理财产品（40%）。

In the wealth management attitude,Chinese family more focus on investment demand and guarantee the balance of demand.Implement in financial planning,They first consideration is three aspects respectively:Realize assets value-added(68% of the family)/Security children education(57%)Arrange and retirement(46%).Chinese family held most of the five types of financial products are respectively RMB deposit(84%)/stock(66%)/fund(60%)/Life insurance(46%)And the general bank financing products(40%).