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Property income, also called asset income, refers to the income generated through capital participation in social production and life activities. That is, the income derived from the movable assets (such as bank deposits, securities, vehicles, collectibles, etc.) and real estate (such as houses, etc.) owned by the family. Including interest, rent, and patent income obtained from the transfer of property use rights; dividend income and property appreciation income obtained from property operations, etc.
The "per capita disposable income" commonly used in statistics is composed of four parts. According to the proportion, they are: salary income (wages, etc.), transfer income (pensions, etc.), operating income (Income from business transactions, etc.) and property income. Among the "per capita disposable income", "wage income" dominates, accounting for about 70%. Property income accounts for a relatively small proportion, accounting for about 2%.
1. Salary income (wages, etc.) 68.9%;
2. Transfer income (pensions, etc.) 22.8%;
3. Operating income Income (commercial transaction income, etc.) 6.4%;
4. Property income 1.9%.
For a long time, people have obtained property income through trading and leasing their movable or immovable properties. With the development of the times and the maturity of the financial industry, people have gradually added new property income. Financial products such as savings, stocks, bonds, insurance, and financial products have become the main source of everyone’s property income.
Nowadays, with the Internet, new models on the Internet have become another source of property income. Since the rise of P2P online lending platforms abroad, related domestic platforms have also gradually prospered. The more famous ones include CreditEase, Nono Lianke, Renrendai, etc.
Shang Fulin, a representative of the 17th National Congress and Chairman of the China Securities Regulatory Commission, said at the Central Financial System Delegation: "Property income will inevitably involve various investments. In addition to industrial investment, etc., it also includes investment in financial products. Covering savings, bonds, insurance and stocks, etc. "There is a lot of work to be done at the institutional level to allow more people to have property income:
Innovate the financial management system so that people have more and more income. A wide range of financial and financial management tools and products, while strengthening the supervision of existing investment and financial management channels and the standardization of transaction methods. In addition to creating conditions for Chinese people to have more financial products, through innovation in the financial system, allowing people to own and create more financial instruments is also the key to increasing people's property income.
Further increase the protection of citizens’ property rights, especially in the process of demolition, land acquisition, and requisition of citizens’ property, to ensure that citizens’ property rights and wealth appreciation rights are not infringed. Further clarify property rights and turn them into financial assets that can be mortgaged, transferred, sold, leased and other widely traded.
A problem that needs to be further solved is that rural collective-owned land and farmers' houses, which account for the vast majority of the country's land and private residences, cannot be mortgaged or freely marketed. On average, about 53 villages disappear from the map in China every day. Since they cannot be freely transferred, a large amount of land and houses have been abandoned for many years, which affects farmers' property income and widens the income gap between urban and rural areas.