城镇居民金融资产选择问题探析

我国城镇居民在金融资产选择中存在城乡居民金融资产选择的差距继续扩大、预防性资产比重偏大、金融资产结构层次仍相对较低、可选择的金融产品范围狭小、资本市场不完善等诸多问题，需要通过设法增加居民收入，解决收入差距过大的问题、健全社会保障体系、推动和鼓励金融创新、完善资本市场等一系列措施来不断优化居民金融资产选择行为。

Study on Chinese Urban Denizens' Choice in Financial Assets

There are some problems related to urban denizens' selection of financial assets.The differences between the financial assets available to residents in the town and in the country continue to be enlarged;preventive assets are relatively large;the structure of financial assets is still at a low level;financial products in the market are with a narrow range;capital market is imperfect and so on.We suggest to improve this situation and optimize denizens' choice of financial assets from the following aspects:in...