Configuration Differences Rural Household Financial Assets In Zhejiang Province And Its Influencing Factors Analysis

The report of the 19 th National Congress of the Communist Party of China(CPC)put forward the strategy of rejuvenating the countryside and solving the problems of agriculture,rural areas and peasants is the top priority of the whole work.The document No.10 of the Central Government,which lasted for 10 consecutive years,exemplifies the central importance attached by the Central Government to the issues concerning agriculture,rural areas and farmers.In 2017,the document No.1 of the Central Government will especially increase the space for rural finance.In particular,it is proposed that the development of the rural economy will require the development and construction of funds for development.In rural China,if we want to develop vigorously and innovate the financial supply,it is an inevitable choice.Rural household financial assets allocation as an important part of rural finance.In the rural economic construction in the past,Zhejiang Province has been at the forefront of the country.The research on the distribution of rural household financial assets in Zhejiang Province and its influencing factors plays an important role in establishing the "Zhejiang Sample" of rural financial development in the country and is worth considering.This article relies on the 2011 household financial survey data in China to sort out household survey data in Zhejiang Province to further clarify the differences in the allocation of financial assets in rural households in Zhejiang Province to explore the various factors that affect their internal logic and affect the formation and development.First of all,combine the EXCEL software to describe the status quo of rural household financial assets allocation in Zhejiang Province.Secondly,Stata12.0 software is used to compare the current situation of household financial assets allocation in Zhejiang Province,and to analyze the differences of rural household financial assets allocation.Finally,using multivariate linear regression model to empirically analyze the influencing factors of rural household financial asset allocation differences.The results show that:(1)Compared with urban families,there are differences in the financial allocation among rural families in Zhejiang Province,and rural households are more inclined to allocate low-risk financial assets.Second,the level of education,family size,marital status,investment preferences,consumer preferences,interest rate preferences,house prices expected to allocate various types of financial assets in rural households a significant impact.Thirdly,the educational level and investment preference have an impact on the allocation of financial assets of urban households and rural households,while the economic expectations have had an impact on rural households,but have no impact on urban households.