A total of 4,000 valid questionnaires were completed, starting with demographics features, the second part is about assets and liabilities, including financial, non-financial assets and other liabilities. The third part is about insurance and protection, it includes social security and commercial insurance. The fourth part is expenditure and income, including consumption expenditure, transfer expenditure, other expenditure, transfer income and other income, firstly, the city samples were eliminated from the data, and then the rural samples were processed with outliers and so on. Finally, 3214 valid samples were obtained