Analysis of Chinese Residents in Housing Wealth

In recent years, the housing wealth of our country increased rapidly. Wealth is very important for every family, it is the basis of the people’s basic needs. Therefore, it is necessary to conduct a comprehensive analysis of household wealth. In this paper, we analyze some aspects of family wealth like these: the meaning and measure of wealth; the source of housing wealth; the characteristics of the distribution of household wealth; the reason the difference in household wealth; Countermeasure. As a result, we found a lot. There are four sources of household wealth. They are savings deposits, real estate investment, development of capital markets and wealth inheritance. We analyzed three aspects of the characteristics of household wealth. These three aspects are the income distribution, industry distribution and regional distribution respectively. There are three main reasons for the uneven distribution of household wealth. The three reasons include the disadvantageous income distribution system, the disadvantageous tax system, the imperfect social security system. On this basis, We make recommendations to deal with the uneven distribution of household wealth. Firstly, it is necessary to improve the wage system. Secondly, the need to reform the tax mechanism. Thirdly, we need to improve income distribution mechanism. This means that it is necessary to optimize our systems. In addition, we should improve labor income and adjustment to capital gains reasonably.