Abstract: Based on the literatures, we find that the cognitive ability is related to genes, as well as an effect of household financial decision making in many aspects. At the same time, household financial decision making, to a degree, makes contribution to economic prosperity, which contains several modalities that can cause different effects on the environment and milieu, whose influence on transcriptions can be a factor of genetic quality. Therefore, judging by the modern scientific literature, genes, the Physiological Characteristics of the human race, plays an important role in economic growth, and the cognitive ability and household financial decision making are the significant bonds of genes and economic development. Our research not only helps the economists have a better understanding of the formation of human biases and shows a way to modify models in financial market, but establishes the theoretical basis for predicting the economic growth, economic fluctuation and the trend of social development in the view of genetic quality, cognitive ability, household decision making and natural and social environment.

Key words: cognitive ability, household financial decision making, gene