中文摘要：

从不同渠道获取和筛选信息的成本、效率和准确度是影响城乡家庭金融市场参与及资产选择的重要因素。基于信息获取及信息筛选的视角,剖析不同信息渠道对城乡家庭金融市场参与及资产选择行为的影响机理,并采用中国家庭金融调查（CHFS）2011年和2013年数据实证检验信息渠道在家庭金融资产配置中的重要作用。结果表明：不同渠道对城乡家庭的作用程度存在显著差异。对城镇家庭而言,无论是传统的信息渠道还是依托现代信息通讯技术的新渠道都能显著提高其金融市场参与度;而对于农村家庭来说,互联网等新渠道对提高其金融市场参与度和风险资产持有比例的作用更加显著。因此,应高度重视现阶段农村地区尤其是中西部农村地区的新型信息渠道建设。

英文摘要：

Cost, efficiency and accuracy of obtaining and screening information from different channels impact households participating in financial markets and asset selection. Based on information acquisition and information filtering perspective, this paper makes theoretical analysis of influence mechanism of different information channels on urban and rural household financial market participants and asset choice behavior. China Household Financial Survey （CHFS） data of 2011 and 2013 is used to empirically test the function of information channels in household financial asset allocation. The results show that there are significant different effects in urban and rural families. For urban households, whether it is traditional information channels or new channels based on modem information and communication technology significantly improves its financial market participation. For rural households, the new channels （the intemet and so on） improve financial market participation and the proportion of risky assets more significantly. Therefore, great importance should be attached to the new information channel construction in rural areas.