個人財務(wù)行為與決策調(diào)查問卷\nSurvey on Financial Behavior and Decision-Making

本問卷旨在了解個人的投資決策與儲蓄習慣。所有數(shù)據(jù)僅用于學術(shù)研究，匿名處理。

This survey aims to understand individuals' investment decisions and savings behavior. All responses are anonymous and used for academic purpose only.

1. 年齡

Age group

18~2223~2627~3536~4546~5455+

2. 性別

Gender

男Male女Female

3. 最高受教育程度

Highest education Level

高中及以下High school or below本科Bachelor's degree碩士及以上Master's degree or above

4. 我目前的月可支配收入（學生為生活費,單位為元，幣種為人民幣）

My current monthly disposable income (for students is living expenses, in RMB)

3000及以下Under 30003001~50005001~80008001~1500015000~3000030001~100000100000+Above 100000

5. 我了解最基本的金融概念（如利率、通脹）

I understand basic financial concepts(e.g., interest rates, inflation)

很不同意

很同意

6. 我對自己的理財決策有信心

I feel confident in making financial decisions

很不同意

很同意

7. 我會對個人財務(wù)進行規(guī)劃

I regularly plan my personal finances

很不同意

很同意

8. 在做金融決策前，我會進行比較和分析

I compare financial options before making decisions

很不同意

很同意

9. 我到目前是否有進行投資

Do I currently invest

是Yes否No

10. 我通常投資哪些類型（可多選）

Types of investment I usually engage in (Multiple choice)

股票、基金Stock, funds加密貨幣、外匯交易Cryptocurrency, forex房地產(chǎn)Real estate定期存款Fixed deposit黃金或貴金屬Gold/ precious metals藝術(shù)品或奢侈品Art or luxury goods投資于自己經(jīng)營的業(yè)務(wù)（如貿(mào)易、開店、生產(chǎn)或工程項目等）Investing in own business(e.g., trades, stores, production, projects)投資于他人經(jīng)營的業(yè)務(wù)（如合伙或入股）Investing in others' businesses(e.g., partnerships or equity participation)職業(yè)發(fā)展投資（如技能培訓、證書等）Investing in personal development(e.g., courses, certifications)無None

11. 我愿意承擔較高風險以獲得更高收益

I'm willing to take higher risks for higher returns

很不同意

很同意

12. 我會分散投資以降低風險

I diversify my investments to reduce risk

很不同意

很同意

13. 我的投資決策主要基于理性分析而非情緒

My investment decisions are based on analysis rather than emotions

很不同意

很同意

14. 我有定期儲蓄的習慣

I save money regularly

很不同意

很同意

15. 我會建立應(yīng)急儲蓄（緊急備用金）

I have an emergency fund

很不同意

很同意

16. 我會設(shè)立明確的儲蓄目標

I set clear financial saving goals

很不同意

很同意

17. 我會記錄我的支出和儲蓄情況

I track my expenses and savings

很不同意

很同意

18. 我認為理財對實現(xiàn)財務(wù)穩(wěn)定和財務(wù)增長是有幫助的

I believe wealth management is beneficial for financial stability and wealth growth

很不同意

很同意

19. 影響我投資決策最重要的因素是?

Factors influence my investment decisions the most

20. 在理財過程中我會遇到什么困難

Challenges I would face in managing my finances

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