中文摘要：

通过对宁夏银川、石嘴山、吴忠三个城市的城镇居民家庭理财产品选择行为抽样调查，构建了宁夏城镇居民家庭理财产品购买意愿Probit模型和种类选择Possion模型，得出民族变量对城镇居民家庭非银行储蓄理财产品购买意愿没有显著影响，但是对于非银行储蓄理财产品的种类选择存在一定影响。对于城镇回族居民家庭而言，受教育程度、收入水平、收益性关注度和宗教信仰虔诚程度四个变量影响较为显著。最后，提出了相应的对策建议。

英文摘要：

The choice of behavior through the sampling survey of urban household financial products in Yinchuan, Shi- zuishan and Wu Zhong in Ningxia, which constructs the the family financial product purchase intention profit model and choice Poisson model, with the conclusion that the ethnic urban residents family variables on non-bank financial savings product purchase intention has no significant effect, but it has certain influence type of choice for non-bank savings of finan- cial products. As for the urban Hui families, the four variables, such as education level, income level, income concern and religious piety, are more significant. Finally, the corresponding countermeasures and suggestions are put forward.