In recent decades, society has been progressing and developing rapidly, and the economy has overgrown. The development of rural areas in China has become more and more frequent. However, overexploitation and utilization of land will, on the one hand, lead to the deterioration of rustic soil quality and soil quality. On the other hand, overexploitation and utilization of rural land will also affect the yield and quality of crops. Overexploitation and utilization will hinder the speed of rural economic development. There are also good aspects in land development and utilization, which will promote rural economic growth to a certain extent. Land development and utilization will increase rural income and directly affect rural disposable assets. Focusing on the adverse effects again, some rural areas will suffer certain erosion due to human production and life. It will also cause severe soil erosion, soil quality, and water storage capacity. Simultaneously, this has also become a serious obstacle to ecologically sustainable development and hindering social and economic growth. To clarify the best ways to use rural land and analyze the stoichiometric ecological characteristics of soils in different regions, this paper uses field sampling, investigation and analysis, and soil sample analysis. It also shows that the soil carbon and nitrogen fixation in Chongqing’s mountainous areas has great potential. The ecological system restoration and soil erosion in this area provide sufficient theoretical support. Besides, the research based on the Chinese household financial survey data further analyzes the differences in the asset allocation of rural households. According to the research results, rural household finance is more inclined to low-risk asset allocation. At the same time, the household financial survey data of a particular province is compiled. The influencing factors are as follows: the level of education received, marital status, the number of households, consumption preferences, and housing prices have a significant impact on rural household assets. At the same time, through analysis, it is found that the asset ratio of urban and rural households has apparent effects, including education level and investment preference. © 2021, Saudi Society for Geosciences.
