目錄一、 穩(wěn)定增長的財(cái)富是中國經(jīng)濟(jì)復(fù)蘇的動(dòng)力源泉 1二、 家庭消費(fèi)繼續(xù)增加，享樂型消費(fèi)加快恢復(fù) 2家庭享樂型消費(fèi)加快恢復(fù)，趨勢向好 2高收入群體消費(fèi)增速微增，各收入群體的享樂型消費(fèi)均明顯好轉(zhuǎn) 4各年齡群體的消費(fèi)繼續(xù)增加，享樂型消費(fèi)穩(wěn)步恢復(fù) 6各類職業(yè)群體的消費(fèi)持續(xù)增長，但呈現(xiàn)一定程度分化 7三、 各類金融投資品配置與上季度基本持平 8主要權(quán)益類資產(chǎn)配置不變，各類資產(chǎn)配置均衡 8家庭投資理財(cái)收益率由正轉(zhuǎn)負(fù)，不同群體走勢與上季度一致 10四、 家庭負(fù)債持續(xù)增加，但增速整體略有回調(diào) 12家庭負(fù)債和消費(fèi)負(fù)債增速略有回落，經(jīng)營性負(fù)債增速不變 12低收入家庭和年輕家庭的消費(fèi)負(fù)債增幅仍位于較高水平 14消費(fèi)信貸與經(jīng)營信貸需求與上季度基本持平 15家庭整體獲貸容易度保持增加，低收入家庭獲貸難度有好轉(zhuǎn)趨勢 17五、 展望未來：家庭對(duì)財(cái)富及收入預(yù)期的樂觀程度略有下降 20家庭預(yù)期未來財(cái)富和收入繼續(xù)增加 20家庭對(duì)未來消費(fèi)預(yù)期增加，但增速略有回落 212023年二季度家庭對(duì)股市的樂觀預(yù)期程度有所下降 23六、 總結(jié)及建議 242023年二季度家庭財(cái)富、收入繼續(xù)增加，消費(fèi)意愿逐步恢復(fù) 24家庭投資回報(bào)有所下降，需繼續(xù)提高家庭財(cái)富管理能力 25預(yù)期財(cái)富和收入繼續(xù)增加，但增速略有回落，需繼續(xù)提振信心 25附錄1：調(diào)研基本情況 26附錄2：數(shù)據(jù)基本介紹 27附錄3：指數(shù)編制方法 29一、穩(wěn)定增長的財(cái)富是中國經(jīng)濟(jì)復(fù)蘇的動(dòng)力源泉家庭財(cái)富指數(shù)家庭收入指數(shù)工作穩(wěn)定性指數(shù)2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q28086.88589.39094.794.996.095.296.899.198.29598.4100.599.899.8家庭財(cái)富指數(shù)家庭收入指數(shù)工作穩(wěn)定性指數(shù)2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q28086.88589.39094.794.996.095.296.899.198.29598.4100.599.899.899.599.8101.0101.1101.3 101.1101.2102.5103.1100103.1 102.3103.3102.4100.9100.699.9102.3102.7102.5104.0104.1103.8103.2102.2102.4103.7105104.8110圖1家庭工作、收入及財(cái)富變化狀況1此處為加權(quán)調(diào)整的指數(shù)數(shù)據(jù)。2023（原指數(shù)）96.294.2100，其表達(dá)的含義為（相比表示家庭財(cái)富（收入）增加的家庭）富（收入）100，表示家庭財(cái)富（收入）增減的群體比例相當(dāng)。為盡可能反映社會(huì)整體財(cái)富（收入）的變動(dòng)，根據(jù)家庭的財(cái)富（收入）整權(quán)重的指數(shù)有家庭財(cái)富變動(dòng)（預(yù)期）指數(shù)、家庭收入變動(dòng)（預(yù)期）指數(shù)、家庭消費(fèi)變動(dòng)（預(yù)期）經(jīng)濟(jì)數(shù)據(jù)水平的增減幅度。二、家庭消費(fèi)繼續(xù)增加，享樂型消費(fèi)加快恢復(fù)家庭享樂型消費(fèi)加快恢復(fù)，趨勢向好消費(fèi)變動(dòng)指數(shù)(加權(quán))基本不變?cè)黾訙p少2021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q290.00.0%13.2%15.3%19.0%18.6%16.5%12.6%12.4%14.2%12.3% 消費(fèi)變動(dòng)指數(shù)(加權(quán))基本不變?cè)黾訙p少2021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q290.00.0%13.2%15.3%19.0%18.6%16.5%12.6%12.4%14.2%12.3% 11.6%10.0%95.020.0%29.8%32.8%36.3% 33.4%38.2%37.8%38.9%41.7%39.3%30.0%100.036.4%50.0%40.0%105.0102.9103.2102.7102.5103.5104.1 104.3104.4104.7104.670.0%60.0%80.0% 110.0115.0100.0%90.0%圖2消費(fèi)變動(dòng)情況從各消費(fèi)類型的變動(dòng)情況看，2023年二季度家庭享樂型消費(fèi)為近三年來首110.5112.4108.8100，97.8100.6。120.0115.0113.8113.5113.1112.2112.5113.2112.0112.4110.0112.1112.1111.5110.8111.4112.1110.6111.2105.0108.9110.5108.8100.6100.0104.697.895.295.092.193.490.291.090.390.086.986.785.083.880.02020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2生存型消費(fèi) 發(fā)展型消費(fèi) 享樂型消費(fèi)圖3生存型消費(fèi)、發(fā)展型消費(fèi)、享樂型消費(fèi)指數(shù)（總指數(shù)）從各消費(fèi)類別的具體變動(dòng)情況看，2023202395.1交通和通信旅游生活用品及生活服務(wù)消費(fèi)醫(yī)療保健消費(fèi)耐用消費(fèi)品餐飲教育文化娛樂2022Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q265.075.675.075.4交通和通信旅游生活用品及生活服務(wù)消費(fèi)醫(yī)療保健消費(fèi)耐用消費(fèi)品餐飲教育文化娛樂2022Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q265.075.675.075.478.080.875.083.983.585.584.583.285.0 82.695.194.088.7100.391.495.0 91.093.994.096.495.795.294.7100.598.4100.1105.0111.6109.8113.3111.8115.0114.7 114.6 114.6114.8115.5117.1116.1115.5125.0圖4享樂型消費(fèi)具體變動(dòng)情況從收入維度看家庭消費(fèi)變動(dòng)。2023年二季度，100，表明消費(fèi)繼續(xù)增加。30118.2，117.75-105130.0128.0130.0128.0125.2126.1125.0123.3110.0109.9110.0112.1113.0113.9108.6110.7110.7111.2110.6111.9110.8111.5109.6110.6105.0105.2104.9105.0100.0103.6101.7102.695.090.02020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q25萬以下 5-10萬 10-30萬 30萬以上120.0120.0116.9118.7120.5117.7117.8122.3118.3122.3115.7116.9120.4117.1118.8117.7118.2115.0113.4116.1118.7119.4119.0116.6117.6113.2113.6113.7112.4圖5消費(fèi)變動(dòng)指數(shù)（按收入分組）100。10-30302023104.7113.6107.3顯改善5-10202395.95202385.589.2。整體來看，中高5入波動(dòng)影響，消費(fèi)潛力仍有待釋放，整體趨勢向好。3030萬以上10-30萬5-10萬5萬及以下64.32020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q260.072.471.777.276.276.076.876.970.079.880.082.880.185.587.084.880.089.289.188.089.790.992.891.595.994.990.0100.389.592.592.191.190.794.797.6100.0101.299.899.6 99.0101.7104.7105.0104.9102.7107.3105.9106.6110.0113.6111.4115.7114.1112.1113.7114.3120.0圖6享樂型消費(fèi)指數(shù)（按收入分組）從收入維度看各家庭的旅游消費(fèi)變動(dòng)。2023年二季度中高收入家庭的旅游來看，年收入30萬以上和10-30萬家庭的旅游消費(fèi)變動(dòng)指數(shù)分別從一季度的114.4102.7118.75-10592.381.299.886.15-10100。3030萬以上10-30萬5-10萬5萬及以下2022Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q240.058.950.065.163.567.868.7 68.860.071.872.870.176.476.274.479.077.374.370.081.286.185.581.982.785.6 85.483.480.092.377.781.782.482.093.299.884.785.990.088.889.893.191.891.0 90.995.596.896.0100.0101.499.1102.7103.0102.6104.9110.0108.0111.0114.4114.8120.0118.7130.0圖7旅游消費(fèi)變動(dòng)情況（按收入分組）各年齡群體的消費(fèi)繼續(xù)增加，享樂型消費(fèi)穩(wěn)步恢復(fù)從年齡維度看家庭消費(fèi)變動(dòng)情況。2023年二季度各年齡段的消費(fèi)變動(dòng)指數(shù)10031-40111.0，111.451-60107.741-502023112.5109.4微減至二季度的111.4和108.7。51-6051-60歲41-50歲31-40歲30歲以下2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2100.095.090.0106.6107.7107.6108.4105.0108.7111.3110.4113.3112.5112.2111.7111.5110.0110.0114.2114.3109.6111.4112.5114.0115.1114.1115.0117.0119.1118.7117.5117.4119.1120.0120.4120.2125.0圖8消費(fèi)變動(dòng)指數(shù)（按年齡分組）指數(shù)值突破榮枯線100202397.9100.2，表明其享樂型消費(fèi)開始增加30101.7104.6，享51-6094.397.398.741-60100。51-6051-60歲41-50歲31-40歲30歲以下2020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q270.078.675.080.583.4 83.383.680.086.187.986.985.091.094.393.690.089.4 89.4 89.589.490.498.792.995.095.696.4100.298.998.697.4100.0100.199.2101.7100.8102.4105.0104.6110.0圖9享樂型消費(fèi)指數(shù)（按年齡分組）各類職業(yè)群體的消費(fèi)持續(xù)增長，但呈現(xiàn)一定程度分化各類職業(yè)群體的消費(fèi)繼續(xù)保持增長員/2023111.5106.3113.8108.6；專業(yè)技術(shù)人士/111.0111.6戶/112.7112.4107.6109.7。專業(yè)技術(shù)人士專業(yè)技術(shù)人士/技術(shù)工人臨時(shí)性工作個(gè)體戶/自營商 公務(wù)員/管理者公司普通職員自由職業(yè)2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2100.0106.0105.1106.3106.4108.6105.0112.7114.1112.9110.0114.1108.9111.3115.0115.9115.7114.9113.8111.5117.2117.9115.0114.9116.1117.4116.7116.5120.0119.1120.0119.6121.3125.0圖10消費(fèi)變動(dòng)指數(shù)（按職業(yè)分組）專業(yè)技術(shù)人士/技術(shù)工人臨時(shí)性工作個(gè)體戶/自營商 公務(wù)員/管理者公司普通職員自由職業(yè)2020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q275.080.283.783.684.480.086.388.988.787.389.388.785.089.7專業(yè)技術(shù)人士/技術(shù)工人臨時(shí)性工作個(gè)體戶/自營商 公務(wù)員/管理者公司普通職員自由職業(yè)2020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q275.080.283.783.684.480.086.388.988.787.389.388.785.089.789.894.490.095.796.389.791.594.993.595.095.398.3100.0100.399.199.0103.5102.5105.0107.5115.0110.0圖11享樂型消費(fèi)指數(shù)（按職業(yè)分組）三、各類金融投資品配置與上季度基本持平主要權(quán)益類資產(chǎn)配置不變，各類資產(chǎn)配置均衡2023/0.25%0.2%，210至2.05%。具體來看，活期/定存類資產(chǎn)的配置意愿有所下降，指數(shù)從一季度的102.3/100.6103.0，本持平。貴金屬貴金屬海外資產(chǎn)股票/基金類商業(yè)保險(xiǎn)類活期/定存類2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q280.086.885.091.093.690.099.195.0101.1101.0101.8101.8101.3100.1101.9101.4101.5100.099.1103.0101.6103.2103.5103.0105.0105.4104.9104.2104.3104.8106.3105.5110.0113.1115.0圖12各類資產(chǎn)配置指數(shù)2020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2偏股型基金 偏債型基金 股票/期貨/衍生品90.085.080.095.996.995.0100.7100.0101.3102.3102.2101.5100.8101.9101.4101.5100.099.3100.9102.8102.2102.8102.4104.3104.4103.8103.3105.02020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2偏股型基金 偏債型基金 股票/期貨/衍生品90.085.080.095.996.995.0100.7100.0101.3102.3102.2101.5100.8101.9101.4101.5100.099.3100.9102.8102.2102.8102.4104.3104.4103.8103.3105.0110.0圖13基金和股票類投資意愿指數(shù)按金融資產(chǎn)分組來看，2023年二季度高金融資產(chǎn)群體的股票、期貨、衍生1002023110.9100萬以上50_100萬30_50萬10_30萬5_10萬5萬及以下2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q280.0100萬以上50_100萬30_50萬10_30萬5_10萬5萬及以下2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q280.081.685.087.896.890.099.199.0100.898.699.298.798.299.898.798.995.0101.898.497.7100.0105.0104.8101.7105.4104.2104.4105.4104.6105.2105.0106.7106.3106.1110.0110.9110.5112.5115.0113.4114.4116.4116.5114.9117.1125.0120.0圖14股票、期貨、衍生品配置指數(shù)（按金融資產(chǎn)分組）家庭投資理財(cái)收益率由正轉(zhuǎn)負(fù)，不同群體走勢與上季度一致20235.9%3.7%，其中二季度漲跌幅為-2.2%0.07%下降至二季度的投資情況不太樂觀。3.4%-0.9%2.7%4.8%-0.08%-0.10%2021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q25.00%30.0%4.00%2.80%5.00%30.0%4.00%2.80%20.0%3.00%2.20%1.75%2.00%1.50%1.50%10.0%0.88%3.7%1.00%5.9%0.0%0.00%-10.0%-1.00%-10.6%-2.00%-16.9%-15.1%-20.0%-3.00%-30.0%投資收益率上證指數(shù)漲跌幅（右軸)202Q1為222202Q2Q3從學(xué)歷維度看，2023勢。具體來看，本科及以上學(xué)歷群體的投資理財(cái)收益率從一季度的0.9%0.1%的-0.1%；2023本科及以上大專本科及以上大專高中初中及以下-2.1%-2.8%-2.0%-4.0%1.6% 2020 2021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q20.0%0.4%0.6%0.9%1.8%1.1%1.0%1.3%2.0%3.1% 2.1%4.0%4.5%3.9%6.0%5.5%5.7%8.0%8.7%9.1%12.0%10.0%12.9%14.0%圖16投資理財(cái)平均收益率（按學(xué)歷分組）從收入維度看，2023304.8%4.510-301.6%5-100.0%，由虧損轉(zhuǎn)為盈虧持平。3030萬以上10-30萬5-10萬5萬以下-8.0%-5.5%-3.9%-6.0%-3.1%-3.3%-3.2%-2.2%-2.7%-4.0%0.8%0.0% -0.5% -0.3% 0.0%2020 2021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2-2.0%-2.1% -1.7%1.3%2.0%1.0%1.2%1.0%1.2%2.0%1.6%2.0%2.3%2.1%2.5%3.3%3.3%2.9%4.0%3.8%4.5%4.8%4.5%4.1%6.0% 4.5%5.6%6.0%6.4%8.0%7.5%10.0% 8.5%10.1%12.0%圖17投資理財(cái)平均收益率（按收入分組）四、家庭負(fù)債持續(xù)增加，但增速整體略有回調(diào)家庭負(fù)債和消費(fèi)負(fù)債增速略有回落，經(jīng)營性負(fù)債增速不變2023年二季度家庭總負(fù)債及各類負(fù)債（消費(fèi)性負(fù)債2與經(jīng)營性負(fù)債）持續(xù)增加，增速略有回落。2023107.4至二季度的105.3110.6108.4，103.0，與上季度一致。2消費(fèi)性負(fù)債在問卷中的定義；包括除住房負(fù)債、經(jīng)營性負(fù)債的其他一切負(fù)債，如教育負(fù)債、醫(yī)療負(fù)債或用于消費(fèi)的其他負(fù)債等。2020Q12020Q22020Q32020Q42021Q12021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q22020Q12020Q22020Q32020Q42021Q12021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2負(fù)債變動(dòng)指數(shù) 經(jīng)營負(fù)債變動(dòng)指數(shù) 消費(fèi)負(fù)債指數(shù)95.090.085.098.7103.0103.2103.3100.0103.0105.1105.1106.7105.3105.0107.4106.2107.7109.4110.0109.0108.4107.4109.2 113.8107.9108.2108.7110.0110.6110.3110.5112.4111.1113.7120.0115.0圖18家庭負(fù)債指數(shù)注：2021Q3無消費(fèi)負(fù)債數(shù)據(jù)。從收入維度看，20233010-30105.0102.75-105109.7113.5下降至一季度的108.3和111.0。3030萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q270.080.093.695.997.495.990.0102.0100.3102.4103.2102.398.098.398.4102.7105.3104.8105.7100.0109.7108.3108.0108.2111.3110.0109.7108.2111.6110.0108.3111.0109.6113.5112.1114.1118.1116.8115.1117.2118.3118.1117.2120.0121.0圖19家庭負(fù)債指數(shù)（按收入分組）低收入家庭和年輕家庭的消費(fèi)負(fù)債增幅仍位于較高水平從收入維度看，202355-10116.1113.7113.2110.5；10-3030107.3和106.2，與一季度的107.7和106.2基本持平。3030萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q42022Q12022Q22022Q32022Q42023Q12023Q290.085.080.099.995.0100.5103.1102.8102.9102.4102.8100.0106.2 106.2105.3107.8106.4105.0108.4107.1110.0113.2110.5110.3109.5109.4116.1113.7112.1113.7117.1113.8113.9112.4111.2111.3114.8113.3115.0116.8116.7117.9120.0121.3120.1125.0圖20消費(fèi)負(fù)債變動(dòng)指數(shù)（按收入分組）從年齡維度看，2023庭的消費(fèi)負(fù)債增速仍位于較高水平，各群體增速均有所回調(diào)。，30111.641-50111.3110.9108.8107.4。51-6051-60歲41-50歲31-40歲30歲以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q42022Q12022Q22022Q32022Q42023Q12023Q290.095.0100.0105.1 105.2104.2106.5106.1105.6108.2107.3107.0107.3106.4105.0109.4108.0108.7109.0110.0110.5110.2111.5109.5110.2111.6111.4114.8113.9115.0115.6120.0圖21消費(fèi)負(fù)債變動(dòng)指數(shù)（按年齡分組）消費(fèi)信貸與經(jīng)營信貸需求與上季度基本持平103.6104.3，103.5105.5消費(fèi)貸款需求指數(shù)消費(fèi)貸款需求指數(shù)經(jīng)營貸款需求指數(shù)2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q295.090.085.080.0103.6103.5104.0100.0104.6105.0105.5104.3105.0104.0104.8107.0106.5107.4110.5107.7108.9107.9110.0111.0114.9115.0 113.3 120.0圖22信貸需求指數(shù)30萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2100.095.090.0105.6103.8104.8105.0105.1105.1106.5107.0107.030萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2100.095.090.0105.6103.8104.8105.0105.1105.1106.5107.0107.0106.5110.0108.8 108.8120.0115.5115.0 113.2 110.6圖23消費(fèi)貸需求指數(shù)（按收入分組）30108.0103102較高水平，與其他中低收入家庭仍有一定差距。2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q22020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q25萬及以下 5-10萬 10-30萬 30萬及以上95.090.0103.3102.9100.0104.5104.4103.8106.7106.0106.8106.3107.9105.0108.6106.6108.0111.9107.7107.7107.3111.6109.0110.0113.5110.8110.3112.7112.7112.6115.0118.6117.4120.0119.5125.0圖24經(jīng)營貸需求指數(shù)（按收入分組）家庭整體獲貸容易度保持增加，低收入家庭獲貸難度有好轉(zhuǎn)趨勢消費(fèi)貸款獲取容易度指數(shù)經(jīng)營性貸款獲取容易度指數(shù)2020Q12020Q22020Q32020Q42021Q12021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q285.090.095.099.7101.4100.595.999.498.6101.2101.0消費(fèi)貸款獲取容易度指數(shù)經(jīng)營性貸款獲取容易度指數(shù)2020Q12020Q22020Q32020Q42021Q12021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q285.090.095.099.7101.4100.595.999.498.6101.2101.0101.0100.8102.4102.4101.5103.699.0100.0102.4101.8101.5101.2101.2102.8103.2102.7107.5105.0104.4110.0115.0 113.2 圖25信貸獲取容易度指數(shù)注：2021Q32022Q1從收入分組看，202330114.7112.6；55-1030萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q42022Q22022Q32022Q42023Q12023Q280.080.930萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q22021Q42022Q22022Q32022Q42023Q12023Q280.080.988.985.091.190.890.594.494.292.694.090.095.299.498.099.497.8102.9 103.0101.4101.6 101.4100.998.695.0100.3103.5100.0100.8110.1103.8103.6103.7105.0105.0105.1 105.0104.6107.7107.5107.4109.6 109.4108.7110.0112.6110.9111.0112.9115.0114.7115.3116.7115.0118.6 118.5125.0120.0圖26消費(fèi)貸獲取容易度指數(shù)（按收入分組）從職業(yè)維度看，2023業(yè)群體的消費(fèi)貸獲取容易度繼續(xù)增加，但增速均略有回調(diào)。110.0/105.8貸獲取容易度指數(shù)開始好轉(zhuǎn)，89.091.4。專業(yè)技術(shù)人士專業(yè)技術(shù)人士/技術(shù)工人臨時(shí)性工作個(gè)體戶/自營商 公務(wù)員/管理者公司普通職員自由職業(yè)2020Q12020Q22020Q32020Q42021Q12021Q22021Q42022Q22022Q32022Q42023Q12023Q280.075.0 89.0 85.091.491.795.196.595.293.990.098.7 98.497.599.498.595.0101.9101.4100.0101.3109.7103.3104.8103.6105.0106.4105.6106.3108.4109.4108.3110.0115.0 112.4 110.0圖27消費(fèi)貸獲取容易度指數(shù)（按職業(yè)分組）104.0102.9101.7101.9102.3102.0 103.7 100.0 101.6101.1101.3100.398.0100.098.496.094.092.090.02021Q12021Q22021Q42022Q22022Q32022Q42023Q12023Q230歲以下30-40歲104.0102.9101.7101.9102.3102.0 103.7 100.0 101.6101.1101.3100.398.0100.098.496.094.092.090.02021Q12021Q22021Q42022Q22022Q32022Q42023Q12023Q230歲以下30-40歲40-50歲50-60歲110.0 108.9 108.0106.0104.8 107.9 104.8103.9圖28消費(fèi)貸獲取容易度指數(shù)（按年齡分組）從收入維度看，今年二季度的中高收入群體的經(jīng)營貸款獲取容易度持續(xù)增30110.1108.9；5-1010-3030萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q270.080.088.086.788.992.691.695.930萬及以上10-30萬5-10萬5萬及以下2020Q12020Q22020Q32020Q42021Q12021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q270.080.088.086.788.992.691.695.994.794.190.096.395.098.797.399.3101.2100.0103.4101.2100.199.5104.3103.8102.9102.0100.9104.7107.0105.9110.0 106.4108.9110.1116.0108.9108.8109.6113.5112.1112.5115.6116.5115.4120.0118.9 118.6圖29經(jīng)營貸款獲取容易度指數(shù)（按收入分組）五、展望未來：家庭對(duì)財(cái)富及收入預(yù)期的樂觀程度略有下降家庭預(yù)期未來財(cái)富和收入繼續(xù)增加總體來講，20233但增速略有回調(diào)103.8103.22023102.3102.7。預(yù)期收入變動(dòng)指數(shù)預(yù)期收入變動(dòng)指數(shù)預(yù)期家庭財(cái)富指數(shù)2020Q12020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q298.096.094.092.090.0102.0102.1100.0102.7102.3103.2103.9102.0105.1104.9104.8104.4105.4105.3105.7106.0104.0圖30預(yù)期家庭財(cái)富和收入指數(shù)家庭對(duì)未來消費(fèi)預(yù)期增加，但增速略有回落2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2101999795102.7102.5102.6103.3103.7103.62020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q2101999795102.7102.5102.6103.3103.7103.6103.3103.6104.1103.8104.3103104.9105.6109107105圖31家庭對(duì)未來消費(fèi)的預(yù)期3030119.7115.1116.8和112.65-10108.5108.3基本30萬以上10-30萬5-10萬5萬及以下2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q294.130萬以上10-30萬5-10萬5萬及以下2020Q22020Q32020Q42021Q12021Q22021Q32021Q42022Q12022Q22022Q32022Q42023Q12023Q294.195.495.890.098.899.598.899.4100.999.795.0105.6104.0103.8100.0108.3108.5108.5107.8107.3107.0107.1110.3110.5105.0113.3115.8115.6115.5110.0110.4116.8112.6111.6119.2115.0 111.4