| This article takes the Hui and Han residents savings and loan behavior of Kaifeng Shunhe District as the research object. Through field survey data, Hui and Han residents savings and loan behavior were compared. Then we used the general econometric model on the influencing factors of savings and the logistics model for loan intention. At last, this paper got the following conclusion:(1)In the investigation of the rationality of its savings, whether Hui and Han, most of them believe that their current level of savings now can meet the needs of life. There is no substantial difference between the Hui and Han in these areas, such as savings model, savings increase and decrease,consumption increase and decrease and the savings purpose. Regardless of Hui and Han, the majority of them choose to keep their money in the bank. And in the savings purpose, both the Hui and Han nationality are concentrated in the pension age, marrying for themselves or for their children, to cope with unexpected family and buy a house.(2)After constructed a household savings cross-section model, we found that ethnic, age, income,consumption and family size have a significant influence on household savings. The ethnic property has a significant negative impact on household savings. And between the age of household head and the household savings, there exits the inverted “U” shaped relationship. At the same time, the income has a significant positive impact on household savings but consumption has a significant negative impact.(3)Situation analysis in loan, there is no difference in lending sources, purpose, distribution of loan amount and demand. Private borrowing and bank lending account for each half. The loan amount evenly distributed, and are mainly used for consumption of life. The life consumption here including buying houses and cars. Both Hui and Han people have low lending demand and borrowing requirements.In the process of borrowing, the Hui people there are very few know about lending 0 interest in the Koran,even know it's hard to do O interest. The most essential contents of Islamic finance has not been reflected.(4)In analyzing the ability to raise funds, when faced with a sudden small overhead, Hui and Han have got the money through a variety of ways including their own savings, an interest-free loan of relatives and friends, loans. Wealthy families can completely rely on their own savings, but most families need to get loans from relatives and friends, and get the money from the relatives and friends interest-free loans is the most important way.(5)Aspects of investment ideas, Hui and Han majority concentrated in consumption, children's education and buy a car above. Invest money to make money,the Hui nationality has a higher proportion than the Han nationality. And earn interest on deposits, the Han ethic group is higher than the Hui nationality, Then the hui business idea is beneficial to Hui people investment.(6)Aspects of loan demand, the Hui and Han nationality loan demand is not high and the loan intention is not strong. Logistic model shows that: the older respondents, the lower education, the large family size can lead less likely loan. At the same time, ethic factors have an impact on the loan demand,Hui loan demand is higher than the Han. |
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