中国消费金融现状调查研究.pdf

中国消费金融现状调查研究 China Consumer Finance Research 何平 He, Ping 清华大学经济管理学院金融系 School of Economics and Management, Tsinghua University 8610 heping@sem.tsinghua.edu.cn 消费金融 Consumer Finance 消费金融研究的是关于家庭消费、储蓄和理财行为 Consumer finance studies the consumption, saving and financing planning behavior of a household or an individual 消费金融是金融系统的有机组成部分 Consumer finance is an important part of the whole financial system 普通百姓的消费储蓄习惯直接决定了金融系统的产品种类和结 构特征 The consumption/saving behavior of individuals directly affect the product variety and structure in the financial system 金融系统的一些特性又会直接影响到普通百姓的消费储蓄习惯 Some features of the financial system will affect an individual’s consumption/saving behavior 中国消费金融调查 China Consumer Finance Survey 2008年启动的2008 花旗银行和清华大学中国金融研究中心合作项目 Launched in 2008 by Citi Bank CCFR of Tsinghua University 大中小城市 ,每年, 2000户家庭2000 ,共将持续, 3年3 ,, ,, 33 For each year of the next three years, we will collect data from over 2000 households cities 家庭资产负债状况、消费储蓄借贷习惯、理财意识及需求等 Information on household, assets and liabilities, savings and consumptions, financial planning, etc 目前已完成北京地区调研 （500份问卷500 ） 500500 So far, more than 500 samples are collected in Beijing area 中国消费金融调查的目的和意义 Goals of Survey of Consumer Finance 科研机构的金融研究 Finance research by academic institutions 政府相关部门个人理财规划教育 Education on financial planning