Research On Differences In Urban And Rural Household Financial Portfolio Allocation In Xuzhou

With economic growth, income of urban and rural households in China will continue to improve, in family assets, financial assets accounted for the proportion of sustained rise, residents in financial assets allocation behavior more and more complex. As one of the most dynamic financial assets in the family, the income level of the residents of the whole family and improve the level of social welfare has an important role. Therefore, the in-depth study of urban and rural residents of household financial assets allocation behavior characteristics and its difference has great value, the research results can improve the structure of financial assets in household assets, at the same time, with the increase of the income of residents and property and to reduce the role of urban and rural family income differences.In this paper, according to Xuzhou City urban and rural household financial assets difference questionnaire, through the theory and statistics, empirical and comparative analysis method of combining, Xuzhou City urban and rural household asset allocation of the differences in configuration, the influence factors and the causes. First according to the theory of household financial asset allocation review, elaborated the domestic and foreign about the current situation and research results, combined with the characteristics of China's national conditions and Xuzhou City unique geographical location, and research ideas and methods of this thesis. Then, this paper compares the asset allocation behavior of urban and rural residents in Xuzhou city. Through the questionnaire survey, data collection and collation found Xuzhou City urban and rural residents in family assets total quantity and the structure, the financial assets, the characteristics of financial asset allocation, investment preference and level of cognitive exist bigger difference. Through the data analysis of Xuzhou City urban and rural household financial asset allocation situation, trend and configuration feature, found in Xuzhou City urban and rural household financial asset allocation has a trend of diversification, but compared to the Xuzhou City urban households, rural residents in Xuzhou City, home of financial asset allocation showed a low level and extensive characteristics. In order to compare the qualitative and quantitative analysis of the key factors, through this method, the study found that the financial assets of urban and rural residents in Xuzhou is the key factor in the allocation of financial assets is economic. Finally, this paper puts forward some countermeasures and suggestions, mainly through the analysis of the current situation of the financial asset allocation in the urban and rural residents in Xuzhou, and the relevant conclusions are obtained.The innovation of this paper is the comparative study of Xuzhou urban and rural households in the financial asset allocation, focusing on comparative analysis. The problem is that the number of questionnaires is not enough.