The Study Of Family Financial Products Purchase Intention And Difference Selection Behavior Between Ethnic

With the acceleration of world economic integration, consistent rises in real incomes per capita have transformed households economic lives and financial behavior. In order to improve the quality of life,People are willing to put idle fund in financial ma nagement to get asset appreciation and increment. At present, domestic scholar mainly do research on deposit or other financial behavior of C hinese households, but rarely overall discuss the nationality difference influence of financial products buying and selective behavior. This thesis will do comparative analysis of the liquidity, risk and profitability of current financing products at present,such as bank financial products, stock, fund, debenture, insurance, etc., which will proposing reasonable suggestions on financial products' selection for Urban households of N ingxia.Ningxia Hui Autonomous Region was referred as the largest Hui nationality agglomeration,with profoundly effect by the Koran and Islam doctrine, such as “Strictly prohibit pay or charge interest”,” borrowers and lenders share risk and profits”, “advocate deposit and oppose excessive accumulate of wealth”, Hui nationality households have big limitation of select financing products. This thesis try to stand by Muslimhouseholds point of view, and seek a reasonable financial management way for Hui nationality households. With developed resident family financial behavior sampling questionnaire survey of Yinchuan, Shizuishan and Wuzhong urban households, and build Hui and Han nationality difference data model, at last, we conclude that nationality difference have no financial behavior influence of N ingxia urban households. But there have obvious difference on purchase intention and choice behavior of Ningxia's Hui nationality households because of religiosity, education level, income level or age. In this context, This thesis proposing reasonable suggestions on financial products' selection for Urban Hui households of Ningxia, and hope they can do rational thinking and fitful financial judgment which suit for their family at this stage.