The growth of the Chinese middle-income group has been accompanied by a certain degree of risk awareness，which has further intensified and spread in recent years. The reasons for this phenomenon are not only related to the external socioeconomic environment but also associated with some inherent characteristics of the Chinese middle-income group. Rapid economic growth，dramatic social change，the evolution of cultural values and the unclear direction of regime reform make this rapidly growing social group feel the pressures，confusions and contradictions in many fields while they are enjoying the rapid improvement of material living standard. In recent years，the slowdown of economic growth，a sharp intensification of market competition，the continuous rising of living cost，the sharp fluctuations in stock and housing markets and the social and economic risks are prominent day by day，thus further enhance the sense of risk awareness of the middle-income group.