調查:香港市民儲蓄習慣者比率和平均儲蓄金額均創四年低
香港存款保障委員會委託民意研究計劃進行香港人儲蓄「安全感」指標調查顯示,整體而言,今年的調查發現六成二被訪香港市民有儲蓄習慣,每月儲蓄金額中位數爲5,000元,平均數爲6,600元。有儲蓄習慣者的比率,以及他們每月平均儲蓄的金額均爲四年來最低。
銀行存款仍然是最普遍的儲蓄方法,包括活期或定期存款,其次爲各類投資型產品及儲蓄保險。
近四成市民表示儲蓄主要是爲了應付不時之需,而「沒有收入」、「入不敷支」和「收入太少」繼續是沒有儲蓄習慣的市民給予的主要原因。
有儲蓄習慣者中只有兩成有訂下年內儲蓄目標,當中超過六成有信心可以達標,兩項數據均爲四年以來最低。以0至100分量度儲蓄或流動資產帶給香港市民的安全感,今年的平均得分爲53.2,較去年的54.8略低。
就結婚15年或以下之已婚人士而言,近八成有儲蓄習慣,平均每月儲蓄8,600元,兩者皆比一般市民高,他們的儲蓄安全感亦相對較高,有54.7分。然而,他們認爲需要擁有667,000元儲蓄或流動資金纔會獲得足夠安全感,亦比一般市民的491,000元爲高。
訪問在今年9月1日至20日透過隨機電話訪問形式進行,對象爲18歲或以上操粵語的香港居民(1,006個成功個案)及結婚15年或以下的已婚人士(301個成功個案)。
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