疫情下中国家庭的财富变动趋势2022Q3：中国家庭财富指数调研报告-西南财经大学+蚂蚁集团-2022-59页(1).pdf

《疫情下中国家庭的财富变动趋势2022Q3：中国家庭财富指数调研报告-西南财经大学+蚂蚁集团-2022-59页(1).pdf》由会员分享，可在线阅读，更多相关《疫情下中国家庭的财富变动趋势2022Q3：中国家庭财富指数调研报告-西南财经大学+蚂蚁集团-2022-59页(1).pdf（59页珍藏版）》请在得力文库 - 分享文档赚钱的网站上搜索。

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9、.8101.3103.1102.410101.2 102.5103.1102.3100.1102.499.9102.2103.7103.2104.8102.5 104.0104.1103.8100.6808590951001051102020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3工作稳定性指数家庭收入指数家庭财富指数!#$%&()*+,-#!ALX#RUh 6fF 6SfVoAX9$%hq#RW_#RF AXW9$%hqN#R_U#XRU!2#012*3456789:!#$%&()*+,-./012 3433

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11、.0%30.0%40.0%50.0%60.0%-30%以上-30%到-10%-10%到0基本持平0到10%10%到30%30%以上20202021Q32021Q42022Q22022Q3!#$%&()*+,-$!_&9U OF 6Sf#U WZE;Vo!F#N!RFZ7EVo X#pURFMEVo M!#!RUVF$%efR1LAQ!#FRF 3kE;lAU!4 2022=?ABCDE9:!h 6fF 6Sf49$%efR1AX;Um4*49$%efR1A9JU.|5&9U 6Sf+,&W4$%9efR1AXQ!#!RF*t4$%efR1Ac 6f+,&W4$%9efR1AX!#URFmtt4

12、$%!#F“”U*c49efAJU!5 012*3456FGH7;IJ!-4%-2%0%2%4%6%8%10%20202021Q12021Q22021Q32021Q42022Q12022Q22022Q3初中及以下高中大专本科研究生及以上!#$%&()*+,-%!6F”LL9LR1AFX-U6”!$%9efR1AUF6”U$%q 6f9QU#UR2KWi 6Sf9QM#NRU6”UQ!$%q 6f9Q#URi 6Sf9QM#NRU!6 012*3456FG(;IJ!(二二)UVUVWLXWLXJYJYZZ_ababcd3eXZfghicd3eXZfghi$%fF9-B 0./9F*BF$%&fF

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14、5%6.0%10.1%5.6%3.3%1.0%-8%-6%-4%-2%0%2%4%6%8%10%12%2021Q12021Q22021Q32021Q42022Q12022Q22022Q35万以下5-10万10-30万30万以上!#$%&()*+,-&!F-E;X!M#U*!#F35!U!7 KL1MNOPQDE!6SfWFY&(F$%5efH&U!6SfF 9noU*WfhF|5&F 6Sf5&NfF-FH&IfFE;5!U|533F$%-F$%5&H&9FH&ef-JU!8 RSTUVL01PQDE(三三)HjXZ#$klmnopqrHjXZ#$klmnopqr-$%1HXjefk IAje

15、f80.085.090.095.0100.0105.0110.0115.02020Q1 2020Q2 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3活期/定存类商业保险类股票/基金类海外资产贵金属103.3103.8104.4104.3102.4102.8102.2102.895.996.9101.4101.5101.9100.8101.5102.2102.399.380.085.090.095.0100.0105.0110.02020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 202

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17、7%2.1%2.0%2.0%2.4%1.8%0.0%0.5%1.0%1.5%2.0%2.5%0%10%20%30%40%50%60%70%2020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3偏存款类均衡类偏权益类46.5%48.3%44.0%45.7%47.9%47.8%48.5%54.0%55.9%54.2%48.1%54.1%54.7%56.3%55.1%58.8%62.7%63.6%60.8%65.7%62.8%64.7%62.7%67.2%74.7%77.0%72.4%76.1%74.4%78.1%73.9%80.3%40%45%50%55%

18、60%65%70%75%80%85%2020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q35万以下5-10万10-30万30万以上!#$%&()*+,-(!(四四)HjZ#$s%&tKuvwxmIJKLMyz_HjZ#$s%&tKuvwxmIJKLMyz_-q$%1HdF1H5+9$%F$%1&”F 6SfE;_ N#N NU#F25!U15A9$%”E;&1E;5!F 1”U F+$%91I”LLmFU!9.F|5 6Sf_&9F33FF 6Sf15A$%91E;N”E;f3U A$%91E;q 6f9#X i 6Sf9 XN#X”E;q 6f9 X

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20、LW;IJ!q*cfFH*$%69efALLF+fF$%96efALL2KUVW./*$9F+fF$%96efAm5A$%9efAFK+fF$%9y$U!F+$%9efAq 6f9!#pRi 6Sf9Q!#URFA$%9efAq 6f9Qp#!Ri 6Sf9QU#XRU!13 012*56FG#*+NOLW;IJ 99.8 80.5 87.9 89.1 89.8 88.6 77.4 77.9 99.8 94.7 102.5 88.6 98.2 98.5 95.7 86.5 110.5 106.8 111.8 101.7 107.8 110.4 107.1 95.8 60.070.080.090

21、.0100.0110.0120.02020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3偏权益类偏存款类均衡类-0.7%2.1%-0.1%-0.8%-1.2%-3.2%-4.1%-5.7%1.1%1.0%1.3%0.5%1.6%1.1%0.4%-0.3%4.7%3.1%4.4%3.2%4.6%2.4%1.4%-1.5%-8.0%-6.0%-4.0%-2.0%0.0%2.0%4.0%6.0%20202021Q12021Q22021Q32021Q42022Q12022Q22022Q3偏权益类偏存款类均衡类!#$%&()*+,-*!;O9$%Wef-E;q

22、6f9!X#X i!#pF SO$%9flD_ U”U!7585951051151251352020Q1 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q35万及以下5-10万10-30万30-50万50-100万100万以上90951001051101151202020Q12020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3min/3031-4041-5051-60!#$%&()*+,-!17 B01PQDEFGbcLW;IJ(二二)6qIJ#$sJYZHj6qI

23、J#$sJYZHj 2022 6SfU*Wef9$%F l7X+HF S7$%XF;$%XAU;FU*Wef9$%fFX+U!18 deB01#*+NOLW;f9F.F90951001051101152020Q12020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q31线2线3线4线5线6线27.9%27.0%30.3%26.2%26.5%24.6%24.7%20.9%40.3%39.6%45.0%39.2%38.3%37.1%36.7%33.70%70.9%71.4%68.2%72.0%71.8%73.7%73.2%77.7%58.1%58

24、.6%53.3%58.7%59.6%60.9%61.0%64.50%0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%8.0%9.0%10.0%0.0%10.0%20.0%30.0%40.0%50.0%60.0%70.0%80.0%90.0%2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3线上整体偏存款类均衡类偏权益类(右轴）!#$%&()*+,-#!hU*Wef9$%91*”E;5U*Wef9$%mU!19

25、#(T*+DEFGfgdeB01;IJ .U*WefdF3$%9efALLU;fh F|WFU*Wef$%9efAXQM#RFhFU*Wef$%9Am5U*Wef9$%VF Y&(F 6SfU*Wef$%9A33F$%A9sX!F#MRFm5U*Wef$%9!p#FRU!20#012*56)hiFGfgdeB01;IJ 108.5 105.3 114.1 103.8 111.3 111.8 110.4 97.8 108.1 104.4 110.1 99.8 106.9 108.2 105.7 95.7 83.1 79.7 90.0 79.4 85.0 83.6 80.6 75.5 82.6 8

26、1.5 88.7 77.2 83.4 83.4 79.7 74.3 0204060801001202020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3家庭财富指数家庭收入指数参与线上投资未参与线上投资-1.9%-1.7%-1.2%-2.0%-1.1%-0.4%-3.2%-3.8%10.4%9.8%9.8%10.2%10.3%11.2%15.2%14.6%3.9%2.7%3.7%2.8%4.0%2.6%1.5%-0.6%9.6%

27、9.2%9.2%9.5%9.7%13.7%15.4%16.3%-5%0%5%10%15%20%20202021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q320202021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3收益率风险未参与线上投资参与线上投资!#$%&()*+,-$!jk:l3?jk:l3?m2nopq)cQrsm2nopq)cQrs(一一)N%&slN%&sl qefb1RDE9OF=X1RDE9h3F.BR1LN&FDEFhX X#RIp#pRI#RN!p#XRUhfFII)I&IS1NBR1L

28、DE9hWF:tf$%1RfWU!21*+j2kl q”dF*c”9hmF.BR1I&NF.S1N)UF6”U&9efb9hmF X UU#UR 6”M W9efb9hFX p!#MR&N9hBefb”9BR19hV”X M 9efb)NS19hV*c”efbU;fFA9efbhFfNde9efbhU;fFA9Fq pF#R MF#pRFfNde9Fq!p#R#RUc9FaMf9efbU;FV3F9efbVDE9vw$U!23 mn*+j2klopqrA q”dF”A9h30.fNde0#!t9hJUF6”U&N M W9efbA9hFX M#pRN MU#XRFB”9fNdeIaMf9hVU

29、;uvwxyz!*c”5+,N*+aMDEF”m95+,Fm”9?efR1N2IXU F;uvwxyzFG(;IJ(三三)“C34Ys b“C34Ys b-efbVT9.&FG9FVAWFBU9hmFX pF#MRFVAWFX!#MRF.BF X F#pRU:Vr26&0F efb9Y-5LLFefXYU!27 01st|0.0%5.0%10.0%15.0%20.0%25.0%30.0%35.0%40.0%45.0%50.0%亲朋好友媒体大V相关专业机构自主研究其他5万及以下5万-10万10万-30万30万以上10.6%6.4%21.3%46.3%15.3%0.0%5.0%10.0%15.0%

30、20.0%25.0%30.0%35.0%40.0%45.0%50.0%与现有资产配置的相关性流动性潜在收益率风险级别其他!#$%&()*+,-(!m”Xv9Ref9I VA&*fF9BUq”fFefbVT9.&FG9F.VAF.BUFM W9efb9f5”9efbF cVA9fB”9F*VfF9B&BU!28 01st|FG(;IJ(四四)34Y b34Y b-V&FGp9FefbXMN&*3 FhX M#pRN M#URF3*DN&9FhX!M#RN!#FRU;FVr26efFd7Xefb9U!29 SMq 0.0%10.0%20.0%30.0%40.0%50.0%60.0%与现有资产配置的

31、相关性流动性潜在收益率风险级别其他30万以上10万-30万5万-10万5万及以下0.0%5.0%10.0%15.0%20.0%25.0%30.0%35.0%金融知识科普后续市场风险提示宏观市场分析与后市机遇对应产品的及时表现与分析其他!#$%&()*+,-)!q”dF”efb:FG9&*3N3*D9f5m”efbFF6”U 9efbhX!M#M N!#!RF6”M W9efbhX#pRN!F#NR F*c”LL9efbM9fmFhp5#pRi M#XRWFFG9&9f*3U!30 SMqFG(;IJ t;t;#$#$uvuvwfxgNyHz|wfxgNyHz|uvuv(一一)DEF#$DEF#

32、$vw|EFoph-vw|EFoph-hh 6Sf$%E;X!#XF35!F$%OtFWfKU#$ot;?6 ABC 56DEFGHHHIJI kKfMsL M KNOPQR+kfMs3T3HHHJH kKfMsL KNkfMs3STJUEF(二二)KuGhihH_1KuGhihH_1-q”fF 6SfF”LL$%U90929496981001021041061080.0%10.0%20.0%30.0%40.0%50.0%60.0%70.0%80.0%90.0%100.0%2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3减

33、少很多减少一点基本不变增加一点增加很多指数-50.0%-40.0%-30.0%-20.0%-10.0%0.0%10.0%20.0%30.0%40.0%50.0%0200004000060000800001000001200001400002020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3本季度社会消费品零售额（亿元）分季度看环比增速分季度看同比增速当月同比增速!#$%&()*+,-#+!”V M W$%9E;3F|6f9!#p i!X#!”VU9$%F E;|6f9!U#i!#FUOKF”9E;35!FKVF9K

34、.Y_U!33,DEFG(;IJ qMfF 6SfFME;*cf9UFRbq!F#!#MF|Mbq!p#!U#!Fq!#!U#UFaMYCYCq!p#!#MU9.F*|MV6f9E;FYF#x=qyAF*|M9G&9HE;U!6Sf 6fF!IyI#G9HE;$FtH9$9%&F.V 6SfHE;FqN#M F#XFO$*899U!35“W&”W&WDEF_DEJ 106.4 114.9 117.9 115.9 115.7 117.2 114.1 115.0112.9105.1108.9 116.5 121.3 119.6 120.0 119.1 116.7 115.3116.1111.370

35、.080.090.0100.0110.0120.0130.02020Q2 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3自由职业专业技术人士/技术工人公务员/管理者个体户/自营商104.6112.1112.1111.5110.8111.4112.1110.6108.9 110.5113.8113.5113.1112.2111.2112.5113.2111.2 95.291.292.190.283.886.991.090.386.7 70.075.080.085.090.095.0100.0105.0110.0115.

36、0120.02020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3生存型消费发展型消费享乐型消费!#$%&()*+,-#!EFGHIJKLMNEOPQREOSTHIUVGHIJKWXYXZNN_HIabGHIJKcdNefgbNhPQHIC q”q”ddF$%HE;K.m”9F$%HE;K.m”9HKHK99UUm”$%HYPFKF6”30 W$%9HE;qf9 121.8 iSf9 119.0m”$%HF 6”V 5&9$%HE;Fqf9 99.3 WiSf9 100.9U !36“WDEFG(;IJ 20226Sf$%9HYPFKU6S

37、f$%9HYPFKU”dF tf9HE;F 6”V 5 W9$%2KW F$%*cf9U 6”V5&9$%qf9105.5W 106.76”V 5-10 9$%qf9 113.1 112.36”V 10-30 9$%qf9 114.7 112.66”V 30 W9$%f3Fq 121.5 117.8UO9KFm”$%9H2F LLYPF”$%9H2WU 83.2 96.2 99.2 102.2 102.5 103.3 101.6 102.599.3100.995.3 105.2 113.7 112.7 113.5 111.3 110.7 112.0110.1109.8101.0 108.0 1

38、19.4 118.0 117.4 114.4 115.3 116.1113.7111.4108.2 114.6 128.3 125.8 123.8 120.3 122.7 120.4121.8119.0 70.080.090.0100.0110.0120.0130.0140.02020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q35万及以下5-10万10-30万30万以上!#$%&()*+,-#$!37”WDEFG(;IJ 6”6”30W9$%H2KFKF$W9$%H2KFKF$%HU%HU”dF6”V 5 9$%9HF Vf9

39、E;*8 100F 6”30 W$%9HE;35 100FV 2022 6SfX 101.2U !38 WDEFG(;IJ 78.7 102.4 105.9 107.3 107.5 108.2 105.6 106.4 105.5106.792.1 111.4 115.0 114.6 113.9 112.3 111.2 113.1 113.1112.3100.0 113.4 117.2 116.0 115.9 114.1 112.6 114.5 114.7112.6108.5 120.5 127.2 123.6 125.4 118.8 120.0 120.2 121.5117.8 65.075.

40、085.095.0105.0115.0125.0135.02020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q35万及以下5-10万10-30万30万以上64.3 80.1 76.9 79.8 76.8 71.7 72.4 76.0 76.2 77.2 80.0 94.9 91.5 92.8 90.9 82.8 84.8 89.7 88.0 87.0 90.7 101.7 99.6 99.0 99.8 91.1 92.1 97.6 94.7 89.5 102.7 113.7 114.3 112.1 114.1 104.9 106

41、.6 111.4 105.0 101.2 60.070.080.090.0100.0110.0120.02020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q35万及以下5-10万10-30万30万以上!#$%&()*+,-#%!;#$#$NONO(一一)DEF#$lyo_DEF#$lyo_ o(-9$%hiVU(+M q9o(_(+Fo()GHVNo(PUB!6 N qY*M&=+OPDF 6xF:V,$F 6 q rF#-#cM./-”l01234X!6 123 X M#FURFU 6W123 X p#MRFt 123 U”N

42、!U”U5O$%9-lO$%9-7XFX U#NRUO$%9-5f9U!42#FGbcLW;IJ!43 70 bcy-DEFJ%&;iktu,vD(三三)oo#$#$sH_sH_-89;dF t*:$%9o(*cf9U S9&W$%9o(hif3F qf9!p#RSf9!#URF!9N 9$%9o(hiq 69.3%9.0%11.2%11.3%10.6%7.8%9.6%7.7%9.4%7.6%9.8%10.3%12.8%12.2%12.9%8.8%8.8%10.0%9.9%7.2%0%2%4%6%8%10%12%14%2020Q22020Q32020Q42021Q12021Q22021Q320

43、21Q42022Q12022Q22022Q3一线二线三线四线五线六线-0.8-0.6-0.4-0.20.00.20.40.60.82021-12021-22021-32021-42021-52021-62021-72021-82021-92021-102021-112021-122022-12022-22022-32022-42022-52022-62022-72022-8单位：%总体一线城市二线城市三线城市!#$%&()*+,-#(!f9 X#RN N#Ri U#pRN X#XRU:$%9o(hiqf9X#RiSf9 U#NRU!44#FGE;IJ;#$f#$fHHxxgVgVhihi#$v

44、w|EFh-hop#$vw|EFh-hop hWfF 6Sf$%O&jB!E;*2BE;kf UF$%E;qWf9!X#X i 6Sf9!F#FhWfF$%2F5Wf$%BE;N$%2BE;c FbqWf9!U#p i 6Sf9!UFbqWf9!#Mi 6Sf9!N#U!,-./0123456789:;?./05ABCD/0EFGH/0IJ/0KLM,-5AB/0NO!8.6%9.8%12.8%11.0%11.9%7.4%8.6%8.3%9.2%7.7%12.0%13.7%20.2%17.0%18.6%14.1%13.8%14.5%14.8%12.5%0%5%10%15%20%25%2020Q

45、2 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3无房1套2套3套及以上!#$%&()*+,-#)!45#DE!34365 wHIxy%&CD”dtFm”92F”9 U6”M W9$%E;|Wf9!M#Wi 6Sf9!U#MF6”!QM 9$%E;|Wf9!M#Wi 6Sf9!U#MF6”UQ!9$%E;|Wf9!#Mi 6Sf9!N#F 6”U 9$%E;|Wf9!F#i 6Sf9!#MU!46#DEFG(;IJ 106.7 109.0 110.0 105.1 103.3 102.7 109.4 105.1 103

46、.2 107.7 106.2 102.1 103.6 103.6 98.7 98.5 100.7 102.9 99.6 101.6 105.4 105.0 111.1 110.5 112.4 108.7 108.2 107.5 107.9 107.4 110.3 109.2 90.095.0100.0105.0110.0115.0120.02020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q3负债指数经营性负债指数消费负债指数117.2118.1121.0115.1112.1109.6118.3114.1117.21

47、16.8108.3 108.2109.7111.6105.7104.8102.3110.0108.0108.2111.3109.2 99.0102.9103.596.795.996.6104.199.799.0103.8105.3 95.998.4102.798.393.698.0100.397.495.9103.2105.3 80.085.090.095.0100.0105.0110.0115.0120.0125.02020Q1 2020Q2 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q35万及以下5-10万10-

48、30万30万及以上!#$%&()*+,-#*!60h-h60h-h q)F*WfhF 6Sf$%)E;35!FE;_)U$%E;qWf9!#M i 6Sf9!p#FU$%2E;qWf9!M#M i 6Sf9!X#U!6SfF#xe?9mFfW)9 U!47 DE!Ku#$sFKu#$sF q)pqfF 2BNpqfMmU$%2BpqfE;qWf9!M#Wi 6Sf9!p#pF$%BpqfE;qWf9 NN#X Wi 6Sf9!#pF*Wf*c9.F$%BpqfE;i!WUAB$%BpqfU!111.0107.9108.9107.7104.8104.0107.4105.0106.5113.310

49、7.0 109.4108.0109.3108.2104.4103.1106.4105.0104.0110.3104.6 80.085.090.095.0100.0105.0110.0115.0120.02020Q1 2020Q2 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q4 2022Q1 2022Q2 2022Q3经营贷款需求指数消费贷款需求指数!#$%&()*+,-$+!48 ADE!34365 wHIz%&03433)56|HIz989Y89*mCDq”pqfF”dpqfMF”mFpqfmUhWfF 6Sf”V!W9$%Fpqf$FE;Vm5!9”5!

50、9$%FE;V5!9FMFFUQ!”dpqfE;qWf9 N#Wi 6Sf9!#pFE;i!WFU&”dpqfE;qWf9#N Wi 6Sf9 N#UAB”$%9pqfU!49 ADEFG(;IJ 99.0101.2101.2101.5101.898.995.998.6102.7103.2104.4 99.4101.5101.0100.8101.0103.6102.4101.2100.5 99.7102.4 90.092.094.096.098.0100.0102.0104.0106.02020Q1 2020Q2 2020Q3 2020Q4 2021Q1 2021Q2 2021Q3 2021Q