摘要：Population is a major player in the structure of market economy. A part of its role in
economic relations can be regarded through its total or net wealth and wealth structure, and also through
the debts it accumulates. In Romania over the last decade, the overall economic dynamics has marked net
wealth, total wealth, debts and their components. Statistics reveal major increases of the above-mentioned
categories but unfortunately they have been partly erased by the financial crisis. One can also note the large
share of real estate assets in the structure of the population’s wealth maintained at a lower level, though, i.e.
a low level of wealth liquidity. At the level of financial assets in recent years, with a higher share of total
assets, one can notice the dependence on high volatility securities which induces this feature into total assets,
too. At the level of debts, although their total volume remains relatively low in size, structural changes can be
seen towards decreasing the debts generated by consumer loans and, in return, an increase in financial debts
due to mortgage loans.
关键词：balance household; net wealth; financial assets; real estate;
