Abstract: There are some problems related to urban denizens’ selection of financial assets.The differences between the financial assets available to residents in the town and in the country continue to be enlarged;preventive assets are relatively large;the structure of financial assets is still at a low level;financial products in the market are with a narrow range;capital market is imperfect and so on.We suggest to improve this situation and optimize denizens’ choice of financial assets from the following aspects:increasing the income to shorten the gap between denizens;improving the social security system;promoting and encouraging financial innovation;perfecting capital market.

Key words: urban denizen, choice of financial assets, structure of financial assets