To solve the more and more serious wealth inequality problem in China is to decrease the poor population in China.Based on the Aordo's Chinese Investor Behavior Survey,this paper computes the Chinese urban and rural households' wealth distribution whose wealth is equal and less than zero in 2007.We compare the urban households' wealth distribution with rural households in terms of age,marriage,education,health and vocational.The numbers of urban and rural households without wealth,respectively,are 5.5 per cent of urban and rural aggregate households.Compared with Canada and USA,the ratio is not very high.From the personal characteristics of respondents,there was a significant difference in the wealth distribution of Chinese urban and rural households without wealth.The data analysis help to understand China's urban and rural households in poverty,has a reasonable value for the formulation of poverty reduction policy.