The family property in this survey mainly includes family financial assets, real estate, major durable consumer goods and family business assets. The survey results show that the most valuable property of China people has changed from durable consumer goods such as household appliances at the beginning of reform and opening up to real estate and financial assets.

Real estate has become the most valuable family property of urban residents in China. The average value of existing real estate (including decoration) of urban families is 10.94 million yuan, accounting for 47.9% of family property and nearly half of total family assets. The reform of housing system makes residents' houses quickly transformed into family property, and some people buy houses with higher value that originally belonged to the state or the collective at lower prices, which makes individuals increase the most important part of the total property under the premise of national concessions. By the end of June, the average property of urban households nationwide was 228,300 yuan, and the average property of urban households was 277,400 yuan, nearly twice that of small cities. This is mainly because the real estate values in big cities and small cities are different. The property in big cities is more valuable than that in small cities, which makes the family property value of residents in big cities much higher than that in small cities.

Financial assets have become the second largest family property after real estate, with an average family income of 79,800 yuan, accounting for 34.9% of family property. The financial assets of urban households are mainly composed of RMB and foreign currency. The average RMB assets of urban households are 73,700 yuan, accounting for 92.4% of financial assets, among which savings deposits rank first in RMB financial assets with absolute advantages, with an average of 5 1.2 million yuan, accounting for 69.4% of RMB financial assets, followed by stocks (A shares) and national debt. The financial assets of urban residents tend to be concentrated in high-income families. 20% of households have the largest financial assets, and 66.4% of urban households have financial assets.

With the improvement of living standards, the consumption level of urban residents is also constantly improving. The consumption capacity of residents has increased from 10 yuan, 100 yuan and 1000 yuan more than ten years ago to 1 10,000 yuan and110,000 yuan in recent years. The grade of consumer goods is getting higher and higher, the consumption cycle is getting shorter and shorter, and the depreciation is getting faster and faster. Durable consumer goods (mainly refers to non-operating family cars and consumer goods with original value above 500 yuan and product life above 1 year and a half) account for a smaller and smaller share of family property, accounting for only about 5% of family property, and the present value of durable consumer goods per household is 1. 1.5 million yuan.

The nature of family property of urban residents in China has achieved a great leap, from owning only the means of subsistence to owning not only the means of subsistence but also the means of production. The per capita operating assets of urban households are 27,700 yuan, accounting for 12.2% of family property, and 10% of urban households' investment and business activities. After the primitive accumulation in 1980s and 1990s, the business activities of urban families have formed a certain scale. The average operating assets of households engaged in commercial investment have reached 298,500 yuan, of which the net value of fixed assets is 6,543,806,230 yuan, accounting for 54.4%. The family property structure of such families is obviously different from that of non-operating families. In addition to real estate, financial assets and durable consumer goods, business households have increased operating assets, accounting for the largest proportion of total assets, close to 40%, while real estate only ranks third.

Young families with high academic qualifications are the richest.

The survey shows that the total property of the lowest-income families, accounting for 10% of the respondents, accounts for10.4% of all residents' property, while the total property of the highest-income families, accounting for 10% of the respondents, accounts for 45.0% of all residents' property. So, what kind of family is the richest? Being a rich boy is influenced by many factors, such as age, education and occupation. The survey shows that young families with higher education are the richest.

Households headed by 35-40 years old have the largest property, with an average of 282,000 yuan. Family wealth decreases with the age of the head of household.

The influence of the age of the head of household on family property

Age of head of household, average household property

(Year) Unit: 10,000 yuan

35-40 28.20

40-45 25.87

45-50 26.83

50-55 19.37

55-60 22.94

60-70 16.23

Over 70 15.65

The education level and occupation of the head of household also have an important influence on family property. The higher the education level of the head of household, the longer the education period and the more family property. Master's degree or above has the most family property, with an average of 499,400 yuan; For families with primary school education, the average family property is 143900 yuan.

The influence of education level on family property

Education level of the head of household

Every household's property.

Education unit: 10,000 yuan

Master degree or above 49.94

Undergraduate 37.29

University 30.43

Technical secondary school 2 1.2 1

Senior high school 18. 17

Junior high school 15.28

Primary school 14.39

From the professional point of view, the heads of joint-stock enterprises have the most family property, which is 1.5809 million yuan; Followed by private enterprise elites, family property1515,000 yuan.