@王健美国达拉斯联邦储备银行高级经济学家

While jian @ the Dallas federal reserve bank senior economist

　　中国家庭金融调查：1.前10%家庭的收入占全部收入的57%。美国是43%。2.金融资产占中国家庭资产的5%，美国是38%。中国家庭非金融资产主要是房产。3.中国家庭金融资产主要集中在现金和存款。2和3显示中国家庭资产金融化程度很低，选择单一。

Chinese family financial investigation:1. 10% before the family income accounted for 57% of all income.The United States is 43%.2. Financial assets accounted for 5% of Chinese family assets,The United States is 38%.Chinese family non-financial asset is mainly real estate.3. Chinese family financial assets mainly concentrated in cash and deposit.2 and 3 show that China's family assets JinRongHua degree is very low,Choose single.

　　@彭松北京荣邦瑞明投资管理有限公司合伙人

@ PengSong Beijing RongBangRui Ming investment management co., LTD., partner

　　本报记者苗慧整理

Our reporter MiaoHui finishing

　　中国特殊的礼品经济和节日经济给生产厂家提供了金融化的土壤。其实礼品券相当于企业发的债券，但很少听说哪个企业债或政府债还可以低于票面价赎回的。凭什么过期就不能兑现？只要这个发券的企业不破产，消费者就有原值兑现的权利，不兑现产品就换成现金，这是法律赋予消费者的权利。

China's special gift economy and holiday economy to manufacturers to provide the JinRongHua soil.In fact gift certificate is equivalent to enterprise hair of bonds,But rarely heard which QiYeZhai or government debt can also below par redemptive.With what overdue cannot cash?As long as the hair stamp enterprise not bankruptcy,Consumers have the right to original value cash,Don't cash product changed into cash,This is the law gives consumers' rights.