5月13日，一份《中国家庭金融调查报告》的出炉曾引起社会广泛关注。近日，《中国家庭金融调查报告·2012》正式出版，西南财经大学中国家庭金融调查与研究中心主任甘犁再次详细解读了该项数据。

May 13，a《China family financial report》Come once caused wide public concern。recently，《China family financial report · 2012》Formally published，Southwestern university of finance and Chinese family financial survey and research center director GanLi detailed analysis of the data once again。

　　中位数与市民感受贴近 Median and citizens feel close to

　　在数据发布之初，中国城市户口家庭平均资产247万元的统计，引起了社会广泛质疑，而家庭资产40.5万元的中位数却没有得到应有的重视。数据显示，只有14.3%的家庭资产超过了247万元的均值。也就是说，少数人掌握着大部分的资产。甘犁教授表示，这就好像一个姚明加上9个普通身高的人，计算平均身高也会达到180cm以上，但是这和普通大众的亲身感受完全不同，“这也就体现了中位数的重要”。

In the beginning of data were released，China registered city average family assets 2.47 million yuan of statistics，Caused social widely questioned，And family assets 405000 yuan in the median number of but didn't get the attention it deserves。Data shows，Only 14.3% of household assets of more than 2.47 million yuan mean。That is，A few people hold most of the assets。GanLi professor said，It was like a yao plus nine common height，Calculating the average height also will reach more than 180 cm，But this and the personal experience of the general public is totally different，“It also reflected the median important”。

　　所谓中位数，是指将统计总体当中的各个变量值按大小顺序排列起来，形成一个数列，处于变量数列中间位置的变量值。中位数也可表述为第50百分位数。通俗的解释就是，一半比“我”小，一半比“我”大。而此次中国城市家庭平均资产的中位数为40.5万元，这就与普通市民的感受贴近得多了。“可以说，均值反映了社会总资产而中位数则反映的是普通老百姓的资产状况。”甘犁表示。

The median，It is to point to will statistics of different variables of the overall value in order of size up，Form a sequence，In a variable values among the sequence position。Median also can be expressed as 50 percentile。Popular explanation is，Than half“I”small，Than half“I”big。And the Chinese city of the assets of the average family median for 405000 yuan，This and ordinary citizens feel close to。“Can say，The mean reflects society total assets and median is reflects the ordinary people in the assets。”GanLi said。

　　6月11日，美联储也发布了2010年美国的最新家庭资产状况。2010年中国家庭净资产总值高达69.1万亿美元，高出同年美国家庭净资产总值（57.1万亿美元）21%之多。对此，哈佛大学教授David Wise认为这一数据具有合理性：一是中国人口是美国的四倍，家庭总数量高于美国；二是美国房价与2007年相比至今已下降了近30%，中国家庭住房资产总价已赶超美国。

June 11,，The federal reserve also released the 2010 America's latest family assets status。In 2010 China family net worth as much as $69.1 trillion，In the same year higher than the American family net worth（$57.1 trillion）More than 21% of。this，Harvard University professor David Wise think this data has rationality：China's population is a four times as fast as in America，Family total number higher than in the us；2 it is American house prices compared with 2007 so far has fallen by almost 30%，China family housing assets total prices already surpass the us。

　　住房刚需旺盛已成过去 Housing has become the past to just exuberant

　　住房问题是报告最受关注的焦点之一，全国90%、城市85%的自有住房拥有率引起广泛争议。但是，85%的自有住房拥有率并不意味着只有15%的民众才有住房的刚性需求。通过中国家庭金融调查而得到的微观数据，可以计算出各类民众的刚性需求，包括无房家庭的住房需求，流动人口的住房需求,与长辈同住的“啃老族”住房需求，新增成年家庭的住房需求，新增农民工的住房需求以及拆迁家庭的住房需求。依据上述口径推算出我国城市地区的房屋需求为9977万套。

Housing problem is the focus of attention of the report by one of the most，The national 90%、85% of the city has its own housing ownership widespread controversy。but，85% of their own housing ownership does not mean that only 15% of people with housing to the rigid demand。Through the Chinese family financial investigation and get the micro data，All kinds of people can be calculated the rigid demand，No room including the housing needs of family，The housing needs of the floating population,And the elders of the live with“Boomerang child”Housing demand，The housing needs of new adult family，The housing needs of new rural migrant workers and the housing needs of the family。Based on the above caliber calculated the urban area housing demand for 99.77 million sets。

　　如果考虑个人名下多套住房，也就是闲置二手房的潜在供给，再加上政府权威部门公布的“2011年未出售的商品房约166万套”，我国城市地区的住房总供给为4048万套。因此，我国城市地区的供需缺口为5929万套。

If consider personal name of housing，Also is the potential supply idle secondhand the room，Coupled with government authorities announce“2011 years of unsold commodity house about 1.66 million sets”，Urban area of housing supply for 40.48 million sets of the total。so，Urban areas of the shortfall of 59.29 million sets of supply and demand。

　　甘犁指出，若不考虑家庭改善性住房需求及未来其他供求变化，政府提出的在“十二五”期间提供3600万套保障房计划能满足我国城市地区住房缺口的60.7%。按照2011年的商品房建设速度，“十二五”期间商品房开发商只需工作2年半就能满足城市地区所有的住房刚性需求。中国住房刚需旺盛的时代已经过去。

GanLi points out that，If you don't consider families improve housing demand and the future of other changes in supply and demand，The government put forward in“1025”Provide 36 million sets of security during the room can meet in urban areas plan housing gap of 60.7%。According to 2011 commodity house construction speed，“1025”Commercial housing developers work during only two and a half years can satisfy all of urban areas housing rigid demand。China's housing just need strong time has in the past。

　　《中国家庭金融调查报告》显示，我国城市第一套房平均收益率在300%以上。甘犁表示：“如果中国房价下调30%，只有27.8%的家庭房价市值会低于其成本价，2.91%的家庭住房价值低于银行欠款。也就是说，房价下调30%对银行业的冲击很小。”

《China family financial report》shows，Our country city first suite average yield of 300% or more。GanLi said：“If China house prices by 30%，Only 27.8% of the family house prices market value will be below cost，2.91% of family housing value below the bank debt。That is，House prices by 30% on the impact of the banking industry is very small。”

　　他同时表示，西南财经大学中国家庭金融调查与研究中心计划未来每两年进行一轮调查，样本规模将持续增加。今年4月份的电话回访已经完成，正在进行下一轮的电话回访。未来还将持续下去。本次调查的原数据将在年底向社会免费公开。本组撰文 新报记者 耿雅新

He also said，Southwestern university of finance and Chinese family financial survey and research center plan future every two years, a survey，Sample size will continue to rise。In April this year the phone pays a return visit has already been done，Is the next round of phone return visits。The future will also continue。This investigation of the original data will be available free to the society by the end of the year。The new Chinese press reporter, new articles summer-autumn cultivation

　　摄影 尹杰

Photography YinJie