Research On Household Financial Influence Factors Of Langfang

With the continuous development of our economy and accelerating of internationalization, the residents are paying more and more attention to the capital market. Based on this stage, a large amount of our country’s financial products, residential investment enthusiasm and the public are in urgent need in improving the service level of financial institutions and so on as the background, to study the influence factors of urban residents in our country financial asset allocation is necessary.Residents in the process of asset allocation, faced with the double choice of risks and benefits, only various tradeoffs can make better determinations of the optimal portfolio. Affected by economic changes, the time value of financial assets in different periods will be different, also in investors’ objectives and expectations. Over time, influenced by the interaction of many factors, the changes results will affect the effectiveness of the portfolio, so we need to according to the actual situation of investors to adjustment the portfolio appropriately, in order to maximize utility. This paper will reflect the ways and characteristics of urban residents’ financial asset allocation from various factors.It is of great significance to study how to allocate assets effectively in the process of financial investment. This article mainly studied the influence factors of the urban residents’ financial asset allocation. First of all, through the macro data to understand the changes in the size and structure of China’s urban residents’ financial assets. Secondly, in order to have a better understanding of influence factors on the residents’ financial assets allocation, from the micro angle, the paper adopts a questionnaire to investigate the Langfang region, using descriptive statistics analysis methods to analyze the basic situation of the study area; And then the empirical research of residents’ financial assets allocation, which is based on cross analysis and logistic regression analysis, is developed. And draws the conclusion: human capital characteristics, economy, investment objectives, the nature of the work of household financial asset allocation produced different effects; what’s more, investment experience of the allocation of financial assets has significant influence. Finally, corresponding suggestions are put forward according to the reality, in order to make efforts to residents’ financial assets in further optimization.