我国个人投资发展:金融创新的推进力

The Development of Individual Investment in China :Momentumof Financial Innovation

随着中国市场经济的发展,我国居民的个人收入大幅度提高,除保证当前基本生活以外,拥有一定个人资产的人已不在少数;另一方面,计划经济下国家统一的福利也逐渐被市场运作所代替。因此,个人为了一定的经济目标,以投资的形式处置个人资产已不是少数“资本家”的专利,个人投资正逐渐成为一种大众经济行为,这不仅将影响人们的传统思维方式、影响整个中国经济的发展,更为现实的是它对于理财产品、金融工具、金融制度提出了更高的要求,将在很大程度上推进我国金融创新的实现。

With the development of market economy in China, the income of Chinese residents increased a lot. Many people own cemtain amount assets besides their basic living expenses. On the other hand, the welfare of the old planned economy is gradually replaced by market operation. Hence, individauls for some economic aims invest their assets, which only a few “captalists” could do in the past. Individual investment is becoming a public economic behavior. This affects people＇s traditional way of thinking and the development of China＇s economy. More pratically, it requires more for financial products, tools, and regulations, which would propel financial innovation in China.