中日居民家庭金融理财差异性分析

Analysis of the Differences in Household Wealth Management between China and Japan

通货膨胀侵蚀国民财富,居民家庭理财成为商业银行业务创新重点。中日两国居民家庭理财差异性巨大,我国居民家庭理财观念滞后、盲目追逐投资热点、理财产品种类总量短缺、结构畸形且收益较低、尚存理财市场监管真空、侵犯金融消费者权益事件频发等因素是制约我国居民家庭理财良性循环与发展的要因,强化我国居民家庭理财监管迫在眉睫。

Household wealth management has been a focus of banking innovation because of the wealth - ero- ding inflation. There are large differences in household wealth management between China and Japan. The household wealth management in China is confronting a series of problems including 1 ） the lack of conscious- ness of household wealth management ; 2） the tendency of making blind investing in hotspots ; 3 ） the shortage of the supply of financial products ; 4） the structural distortion of financial products with low returns ; 5 ） the absence of supervision ; and 6） the frequent violation of consumer welfare. We argue that an effective supervi- sion system is of top priority.