瑞信調(diào)查：中國家庭收入提升但儲(chǔ)蓄占比下降
?????? 瑞信一項(xiàng)關(guān)于中國消費(fèi)者的調(diào)查顯示，過去五年內(nèi)中國家庭平均收入大幅提升，而儲(chǔ)蓄率卻有所下降，《北京青年報(bào)》1月13日?qǐng)?bào)道。
?????? 中國家庭收入貧富差距日益加大的問題在本次調(diào)查中頗為突出。盡管所有的收入群體在過去的五年內(nèi)收入都有所增長(zhǎng)，但富人的增長(zhǎng)率是窮人的五倍。
?????? 受訪者中處于最上層10%家庭的收入占所有受訪者總收入的35.7%，而在2004年的調(diào)查中，該比例為24.3%。他們2009年的收入較2004年增長(zhǎng)了255%，達(dá)平均每月人民幣3.4萬元（4980.2美元）。
?????? 同時(shí)，中產(chǎn)階級(jí)的收入自2004年以來增長(zhǎng)了98%，而處于最下層20%的受訪者家庭收入增長(zhǎng)了50%，而這可能是因?yàn)檗r(nóng)業(yè)利潤的提高。
?????? 家庭儲(chǔ)蓄占比下降一半
?????? 中國一直以來以高儲(chǔ)蓄率著稱，家庭儲(chǔ)蓄率在全世界名列前茅，但調(diào)查顯示這一指標(biāo)正在下降，中國家庭的平均儲(chǔ)蓄率從2004年的26%下降到了2009年的12%。
?????? 瑞信預(yù)計(jì)，到2020年中國消費(fèi)總額將從2009年的1.72萬億美元增長(zhǎng)到15.94萬億美元, 屆時(shí)，其在全球消費(fèi)總額中的占比將從2009年的5.2%增長(zhǎng)到23.1%，成為全球最大的消費(fèi)市場(chǎng)。
?????? 首次購房者將成房地產(chǎn)市場(chǎng)主要買家
?????? 由于中國家庭收入和支出的增長(zhǎng)，瑞信預(yù)計(jì)中國家庭對(duì)于奢侈品的需求會(huì)有所增加。首次購房者的購房需求在不久的將來有可能超過住房升級(jí)需求。更多人居住在租賃住房及商品住房中，繼承性住房及職工分配住房比例下降。
?????? 調(diào)查還顯示中國城鎮(zhèn)地區(qū)的汽車保有比可能在2015年超過50%。
?????? 該調(diào)查在2009年10月和11月間進(jìn)行，共訪問了8個(gè)主要城市的2700個(gè)家庭。
Survey: Household income increasing while savings rate declines
A Credit Suisse survey of Chinese consumers shows that average household income has increased over the past five years, while the average saving rate has decreased, Beijing Youth Daily reported on January 13.
The survey results were a stark reminder of China's growing inequality gap between the rich and poor. While all income groups saw their incomes increase, wealthy families had an increase five times that of the poorest households.
The income of the top 10 percent of households accounted for 35.7 percent of the total income, up from 24.3 percent in 2004. Their income rose 255 percent to 34,000 yuan (US$4,980.2) a month since 2004.
In contrast, the middle class had a 98 percent increase in income since 2004, while the bottom 20 percent of households saw their income rise 50 percent – most likely because of the growth in agricultural profit.
Family saving rate declined half
China's high savings rate, among the highest in the world, is showing signs of decline, according to the survey. The average savings rate of the families surveyed fell to 12 percent of disposable income in 2009 from 26 percent in 2004.
Credit Suisse predicts China's total consumption will increase from US$1.72 trillion in 2009 to US$15.94 trillion in 2020. By then, China's rate in global total consumption will increase from 5.2 percent to 23.1 percent, becoming the largest consumer market in the world.
First-time apartment buyers will become main consumers in real estate market
As Chinese families become wealthier and spend more, Credit Suisse expects them to buy more luxury goods. The housing demand from first-time buyers will likely surpass those who are looking for better apartments in the near future. Chinese are increasingly renting commercial apartments, while the percentage of inherited or allocated apartments from companies and public institutions has declined.
The survey also showed that more than 50 percent of Chinese urban residents will have cars by 2015.
The survey was conducted between October and November 2009 on 2,700 families in eight cities.
(China.org.cn translated by Chen Chen January 14, 2010)
