CHFS Questionnaire

Survey Questionnaire
Survey and Research Center for China Household Finance
Dec,2011
Statement
The questionnaire of the China Household Finance Survey (CHFS) is for internal
use only. Those who have access to this document should take great care not to lose or
disclose the contents to outsiders. Without explicit permission from the Research
Center of the China Household Finance Survey (CHFS), the questionnaire cannot be
used for any other purposes.
The Research Center of Chinese Household Finance Survey

Southwestern University of Finance and Economics
Dec, 2011
Table of Contents
Part 1: Demographic Characteristics ................................................................................................. 1
I. Questionnaire Screening .................................................................................................................................... 1
2. Basic Family Member Information ................................................................................................................... 3
3. Family Members Occupation and Income Information ................................................................................. 10
4. Subjective Attitude of Respondent .................................................................................................................. 21
Part 2: Assets and Liabilities ..................................................................... 22

1. Non-Financial Assets ...................................................................................................................................... 23
(I) Family business ...................................................................................................................................... 23
( II) Land and Real Estate ........................................................................................................................... 30
(III) Vehicles................................................................................................................................................ 41
(IV) Other Non-Financial Assets................................................................................................................. 45
(2) Financial Assets ............................................................................................................................................. 46
(I) Demand Deposits ................................................................................................................................... 47
(II) Time Deposits (Certificates of deposit) ................................................................................................ 48
(III) Stocks .................................................................................................................................................. 49
(IV) Bonds................................................................................................................................................... 52
(V) Fund ..................................................................................................................................................... 53
(VI) Derivatives .......................................................................................................................................... 54
(VII) Financial Wealth-management Products ............................................................................................ 56
(IIX) Non-RMB Denominated Assets ......................................................................................................... 58
(IX) Gold ..................................................................................................................................................... 59
(X) Cash ..................................................................................................................................................... 60
(XI) Lending ............................................................................................................................................... 61
(3) Other Liabilities ............................................................................................................................................. 62
(I) Education Loans ..................................................................................................................................... 62
(II) Credit Cards .......................................................................................................................................... 64
(III) Other .................................................................................................................................................... 66
(I) Social Security, Insurance and Annuity.................................................................................................. 68
(II) Medical Insurance ................................................................................................................................. 75
(III) Unemployment Insurance .................................................................................................................... 77
(IV) Housing Fund ...................................................................................................................................... 78
2. Commercial Insurance .................................................................................................................................... 81
(I) Commercial Life Insurance .................................................................................................................... 82
(II) Commercial Health Insurance............................................................................................................... 84
(III) Commercial Pension Insurance ........................................................................................................... 84
(IV) Commercial Property Insurance .......................................................................................................... 85
(V) Other Commercial Insurance ................................................................................................................ 86
Part 4: Income and Expenditure .............................................................. 87

I. Consumer Spending ......................................................................................................................................... 87
(II) Transfer Expenditure .................................................................................................................................... 90
(III) Other Expenses ............................................................................................................................................ 90
(IV) Transfer Income .......................................................................................................................................... 91
(V) Other Income ................................................................................................................................................ 92
(VI) Other............................................................................................................................................................ 93
II
Interviewer Observations
Note to interviewerThe following questions are to be finished based on your own on-site observation or
by asking the local contact person. You do not need to consult the chosen household.
[J1001] Where is the respondents home located
1. Downtown of Large City
4. Small Town
2. Outskirts of Large City
5. Rural Area/Village
3. Large Town
[J1002] How many minutes does it take the chosen household to travel to the city/town center
[J1003] Method of transportation
1. Foot
5. Subway/Light Rail
2. Bicycle
6. Own Car
3. Motorbike or Electric Cart
7. Other (Please specify)
4. Bus
[J1004] Which kind of construction structure does the surveyed household live in
1. FarmhouseSkip to [J1006]
4. Residential building with 1 to8 units
2. Single-family or duplex house Skip to [J1006]
5. Residential building with nine units or
3. Multiplex
(two or more families) townhouse
more, but less than 8 floors

6. Highrise with nine or more floors
Skip to J1006]
[J1005] How many floors does the building where the surveyed household live have
[J1006] How much is this building worth approximately

1. Under 50,000
4. 500,000-1 million
2. 50,000-200,000
5. 1-1. 5 million
3. 200,000-500,000
6. Over 1. 5 million
[J1007] Does the surveyed household home face southward?

1. Yes
2. No
If [J1001]=1,2,3then ask [J1008]- [J1010]otherwise skip to [J1011]

[J1008] Does this neighborhood has property management service
1. Yes
2. No
[J1009] What is the approximate value of a typical car in the neighborhood

1. Under 30,000
3. 100,000-200,000
2. 30,000-100,000
4. 200,000-500,000
5. Over 500,000
[J1010] How much does a parking lot cost in this neighborhood

1. Under 50,000
5. 200,000-250,000
2. 50,000-100,000
6. Over 250,000
3. 100,000-150,000
7. No Parking
4. 150,000-200,000
[J1011] Do residents in this village/neighborhood have any petted animals such as dogs?
1. Yes
[J1012] Is the village/neighborhood accessible by car?
1.Yes
2. No
2.No
Note to Interview: Please give a grade ranging from 1 to 10, 1 for extremely messy, 10 for very clean.
[J1013] How clean are the roads in the community/town
Note to InterviewPlease mark 1-101 for extremely messy, 10 for very neat.
[J1014] How neatly are the buildings in the community/town are laid out
Note to InterviewPlease mark 1-101 for crowded, 10 for open.
[J1015] The level of crowdedness in the community/town
Note to Interview: Please mark 1-10, 1 for poor, 10 for great.
[J1016] The level of greenness in the community/town
Note to Interview: Please mark 1-10, 1 for poor, 10 for rich.
[J1017] The level of prosperity of the community/town is
Part 1: Demographic Characteristics

I. Questionnaire Screening
[A1001]Is the respondents address the loaded address
1. Yes 2. NoSearch for another household to visit
[A1002]Can this palce be considered as a residence?including business-residential building

1. Yes
household)
2. No
(Re-search
another
surveyed
[A1003]How many families live in this house
Note to Interviewer Note: Make a judgment on whether the house is lived by more than one family
or not based on financial independence, for example: a rented place shared several households
or related but now financially independent households living under the same roof. For more
than one family, CAPI randomly selects one for visit.
[A1003a] If [A1003]>1CAPI Cyclic Loading
Name of the head of the [i] household is
CAPI randomly selects one for visit. Continue with the following questions.
[A1007] Is the main economic activities of your family carried out this city/county?
1. Yes
2. No (Re-search another surveyed household)
[A1008] Did anyone in your family live in this city/county for more than six months over the past
year
1. Yes
2. No (Re-search another surveyed household)
[A1009] Does anyone in your family hold citizenship of a foreign country, or passport from the
government of Hong Kong, Macao, or Taiwan?
1. The whole family doesRe-search another surveyed household)
2. Some
3. None
[A1010], Aside from this residence, how many other residences do your family live in this village/
community? This includes rented properties but does not include properties that are rented
out.
If none, mark 0if they dont knowplease mark -9

[A1011] Aside the residence(s) from the village/ community, does your family have any other
residence in China? This includes rented properties, but does not include homes rented out.
If none, mark 0, if they dont knowmark -9.
[A1013] Which member of your family has the best knowledge of your household financial situation?
Interviewer Note: Please record the-name of the person with most knowledge of the household financial
situation and define him/her as the respondent. Other family members should only take advisory roles
in answering the subsequent questions. If the respondent is not at home, please record his/her contact
information and make an appointment for a re-visit.
If A1003a=A1013A1004 is loaded as 1and skip to next automatically.
[A1014] Who is the head of your household[Card A0]
1. Respondent
7. Daughter-in-law/son-in-law
2. Spouse or Partner
8. Grandson/Granddaughter
3. Parents
9. Granddaughter-in-law/ Grandson-in-law
4. Parents-in-law
10. Brothers and Sisters
5. Grandparents/ Grandparents- in-law
11. Other (Please Specify)
6. Children
2. Basic Family Member Information

Display: Below we would like to gain an understanding of your family members who have economic ties with you. Lets start with you self.
Note to Interview
1. If the person who falls into one of the following seven categories but still keeps economic ties with the family, they should be included as family
members.
1 Student away from home
2Working away from home
3 Monk
4 away for visiting friends/relatives
5Incarcerated
6
Military Service 7Abroad (including travel, work, study, visit relatives); 8Married and moved out temporarily
2. Do not include nannies, drivers, etc.
[A2000] How many family members are in your family? Start with yourself.
Family Member Code [Numbered]
[A2001]
[A2002]
01
02
03
04
05
06
07
08
What is the relationship of [name] to the respondent?

[Card A0]
1. Respondent
2. Spouse/Partner
3. Parents
4. Parents-in-law
5.Grandparents/ Grandparents- in-law
6.Children
7. Daughter-in-law/son-in-law
8.Grandson/Granddaughter
9.Granddaughter-in-law/ Grandson-in-law
10.Brothers and Sisters
11.OtherPlease
Specify
Full
Name
[A2003] [CAPI load name]sex is

1. Male 2.Female
[A2004] [CAPI Load name]Does he/she live with you?
1. Yes
2. No
[A2005]
[A2006]
[CAPI LOAD NAME]Birth month and year
[A2008]
Which calendar do you use when answering the previous

question? (only ask respondent and his/her spouses)
(1) Gregorian Calendar (2) Lunar Calendar
[A2009]
CAPI automatically filled, interviewer will later confirm

[CAPI Load name]s zodiac sign is
1. Rat 2. Cow 3.Tiger 4. Rabbit 5. Dragon 6. Snake 7. Horse
8. Sheep 9. Monkey 10. Chicken 11. Dog 12. Pig
____Year
____Month
____Year
____Month
____Year
____Mon
th
____Year
____Mon
th
____Year
____Mon
th
____Year
____Mon
th
____Year
____Mon
th
____Year
____Mon
th
[A2010]
[CAPI Load name]s nationalityOnly ask the respondent

and his/her spousesIf A1009=3automatically assign 1
1. Mainland Chinese
2. Hong Kong, Macao, Taiwan
3. American/CanadaSkip to [A2012]
4. Europe (Skip to [A2012])
5. Other Asian Countriesskip to [A2012]
6. Other Countriesskip to[A2012])
[A2011]
[CAPI LOAD NAME]s ethnicity(Only ask

and his/her spouses)
respondent
Ethnic Groups code table (Ranked in alphabetic order, except for Han)
Code
Nationalities
Code
Nationalities
Code
Nationalities
Twelve Animals and the Corresponding Years
Rat
1996: 1984: 1972: 1960: 1948: 1936: 1924: 1912: 1900:
Han
20
Kazak
39
Pumi
Ox
1997: 1985: 1973: 1961: 1949: 1937: 1925: 1913: 1901:
Achang
21
Hezhen
40
Qiang
Tiger
1998: 1986: 1974: 1962: 1950: 1938: 1926: 1914: 1902:
Bai
22
Hui
41
Salar
Hare
1999: 1987: 1975: 1963: 1951: 1939: 1927: 1915: 1903:
Bao'an
23
Jino
42
She
Dragon
2000: 1988: 1976: 1964: 1952: 1940: 1928: 1916: 1904:
Bulang
24
Jing
43
Shui
Snake
2001: 1989: 1977: 1965: 1953: 1941: 1929: 1917: 1905:
Bouyei
25
Jingpo
44
Tajik
Horse
2002: 1990: 1978: 1966: 1954: 1942: 1930: 1918: 1906:
Tibetan
26
Kirgiz
45
Tartar
Sheep
2003: 1991: 1979: 1967: 1955: 1943: 1931: 1919: 1907:
Korean
27
Lahu
46
Tujia
Monkey
2004: 1992: 1980: 1968: 1956: 1944: 1932: 1920: 1908:
Daur
28
Li
47
Tu
Rooster
2005: 1993: 1981: 1969: 1957: 1945: 1933: 1921: 1909
10
Dai
29
Lisu
48
Va
Dog
2006: 1994: 1982: 1970: 1958: 1946: 1934: 1922: 1910
11
De'ang
30
Loba
49
Uygur
Pig
2007: 1995: 1983: 1971: 1959: 1947: 1935: 1923: 1911
12
Dongxiang
31
Manchu
50
Ozbek
13
Dong
32
Maonan
51
Xibo
14
Drung
33
Mongba
52
Yao
15
Russian
34
Mongolian
53
Yi
16
Oroqen
35
Miao
54
Gelo
17
Ewenki
36
Mulam
55
Yugu
18
Gaoshan
37
Naxi
56
Zhuang
19
Hani
38
Nu
[A2012]
Ifsurvey year- [A2005]is calculated to be under 16

then skip to[A2017]
[CAPI LOAD NAME]s education level is[Card A2]
1.Never Attended Schoolskip toA2015
2.Primary Schoolskip toA2015
3.Junior Highskip toA2015
4.High Schoolskip toA2015
5.Secondary/Vocational Schoolskip toA2015
6.College/Vocationalskip toA2015
7.Undergraduate Degree
8. Masters Degree
9.PhD
[A2012a]
Was the degree acquired abroad

1.Yes
2. No
[A2015]
[CAPI LOAD NAME]s political affiliation Only ask

respondent and his/her spouses
1.The Youth League
2. Chinese Communist Party
3. Democratic Parties or other parties
4.General public
[A2017]
Last year, did[CAPI LOAD NAME]live in this county/city for

more than six months? (Only ask respondent and his/her
spouses)
1. Yes
2. No
[A2018]
Ifsurvey year- [A2005]is calculated to be younger

than 16, then skip to[A2028]
[CAPI LOAD NAME]has this county/citys residence
permit? Only ask those whose citizenship is of Mainland
China)
1. Yesskip to[A2022]
2. No
[CAPI LOAD NAME]has which provinces residence
permit(Only ask the citizenship of respondent in mainland
China and his/her spouses)
[A2019]
[A2020]
[CAPI LOAD NAME]has which county/citys residence

permit? (Only ask the citizenship of respondent in mainland
China and his/her spouses)
[A2021]
[CAPI LOAD NAME]in which year began living in this

city/county? (Only ask the citizenship of respondent in
mainland China and his/her spouses)
[A2022]
Does[CAPI LOAD NAME]have an agricultural residence

permit, or a non-agricultural residence permit? Only ask the
nationality of family members in mainland China
1. Agricultural
2. Non-Agriculturalskip to[A2024]
[A2023]
Locally, is your /[CAPI load spouses name]s surname

prominent(Just ask respondent and spouses)
1. Yes
2. No
[A2024]
[CAPI LOAD NAME]s marital status [CardA3]

Only ask those over 16
1 Singleskip to[A2028]
2Married
3Cohabitation
4Separatedskip to[A2028]
5Divorcedskip to[A2028]
6Widowedskip to[A2028]
7
Other
Married/Cohabitated
in which yearOnly ask respondent
[A2025]
and his/her spouses

Interviewer Note A2028-A2030 just ask family members older than 16
[A2028]
[CAPI LOAD NAME]has how many brothers, not including

himself? (Only asked respondent and his/her spouses
[A2029]
[CAPI LOAD NAME]has how many sisters, not including

herselfOnly asked respondent and his/her spouses
[A2030]
Amongst these brothers and sisters[CAPI LOAD NAME]s

birth order isOnly asked respondent and his/her spouses
If no brothers or sisters please mark 0if A2028=0 and
A2029=0then A2030will automatically load 0and skip to
the next person.
3. Family Members Occupation and Income Information

Note: Except for the respondent and his/her spouse, only ask other family members about A3003 andA3006
Main Work Information

[CAPI]Only ask those of age 16 and above about [A3002]~[A3044]
Family member code
[A3000]
10
Does[CAPI LOAD NAME]have a job now including farming

Only ask family members who are older than 16)
1. Yesskip to[A3002]
2No
01
02
03
04
05
06
07
08
[A3001]
Why doesnt[CAPI LOAD

[CardA4]
1. Student
2. Housewife
3. Incapacitated
4.Seasonal worker, currently
out of season
If
Select
8,
skip
to[A3039], the others
to[A4001]
NAME]have a job?
5. In vacation/Sick/Maternity leave
6. Unemployed,
7. Unwilling to work
8. Retired
9. Other
For family members older than 16, cycle through [A3002]~[A3042]

[A3002]
At present,[CAPI LOAD NAME]has how many jobs?
Note to Interview: If more than one job, respondent should be told: Lets first discuss your most important job.
[A3003]
What is the nature of the job[Card A5]

1. Employed by others or an organization
2. Self-employment, start-upskip to[A3029]
3. Farming at homeskip to[A3028]
4. Hired back by previous employer after retirement
5. Freelance
6.Otherpersonnel in military/volunteer skip to [A3029]
11
[A3005]
12
Which broad professional category does this job fall into?

[Card
A5a]
1.Administrator in government office, party and mass organization,
enterprise and public institution
2. Professionals
3. Staff and supporting personnel
4. Business and service personnel
5. Agriculture, Forestry, Animal husbandry and Fishery
6. Production or transportation equipment operators and related
personnel
7. Soldier
[A3006]
Which industry does this job fall

1. Agriculture, Forestry, Animal
husbandry and Fishery
2. Mining 3. Manufacturing
4. Production and supply of
Electricity, gas and water
5. Construction
6. Transport, storage and postal
services
7. Information
transmission,
computer services and software
industry
8. Wholesale and retail
9. Hospitality and food service
10. Finance
11. Real Estate
12. Rental and business services
13. Scientific
research,
technological
services
and
geological survey
under?[Card A5b]
14. Water
resource,
environment,
and
public
facilities management
15. Domestic/Residential
services and other services
16. Education
17. Health, social security, and
social welfare
18. Culture,
sports
and
entertainment
19. Public administration and
social organization
20. International organization
21. Other
[A3007]
How many years have you been in this work unit?
[A3008]
What is your professional or technical title in this position[Card

A6]
1. No title
2. Technician
3. Junior title
4. Middle-level title
5. Senior title
6.Honorary title
13
[A3009]
What is your job title? [Card A7]

1. Ordinary staff/worker skip
to[A3011]
2.Sub) Team Leader
3. (Deputy) Section Chief
4. (Deputy) Director of a division
5. (Deputy) Director-General of a
bureau and above
6. Village Cadre
7. Township Cadre
8. Division leader of the work
unit
9. Top leader of the work unit
10. Other (Please specify)
[A3010]
How many years have you been in this position?
[A3011]
Last year, how many months did you in this capacity?
[A3012]
Last month, how many days did you work per week on average?
[A3013]
Last week, how many hours did you work per day on average?
[A3014]
What type of work unit do you

work for?
1. Government agency
2. Public Institution
3. Enterprise
[A3015]
14
4.NGO
5. Military
[CAPI LOAD NAME]s work unit belongs to which type of

establishment
1. No establishment
2. Administrative personnel (civil servants)
3. Public institution establishment
4. Military establishment
if A30143skip toA3020
[A3016]
What is the nature of[CAPI LOAD NAME]s work unit?[Card A8]

1.State-owned/ State Controlled
2. Collectively owned/ Collectively Controlled
3. Private (without foreign investment)
4. Wholly Foreign Owned
5. Hong Kong, Taiwan, Macao owned
6. Sino-Foreign Joint Venture
7. Other Cooperative Venture
[A3018a]
Has the enterprise been listed on stock exchange? (Only asked when
A3014=3)
1. Listed
2. Not Listed
[A3020]
Last year, how much do you earn for after-tax wage? (net of
Insurances and Housing Fund, bonuses, subsidies, and subsidy
in-kind (Unit: RMB)[Method of inquiry]
(If the respondent does not know or is not willing to answer then
ask[A3020it])
15
[A3020it]
Which range does your last years after-tax wages fall into? [Card
R1]
1. Under 10,000
2. 10,000-20,000
3. 20,000-50,000
4. 50,000-100,000
5. 100,000-200,000
6. 200,000-500,000
7. 500,000-1,000,000
8. 1,000,000-2,000,000
9. Over 2,000,000
[A3022]
Last year, how much bonuses did you receive after taxes? This
includes monthly bonus, quarterly bonus, semi-annual bonus, annual
bonus, festival bonus, stock dividends from your company stocks
and other bonuses. [Method of inquiry]
(If respondents do not know or do not want to answer the question
then ask[A3022it])
16
[A3022it]
Which range does your last years after-tax bonuses fall into?[Card
R1]
1. Under 10,000
2. 10,000-20,000
3. 20,000-50,000
4. 50,000-100,000
5. 100,000-200,000
6. 200,000-500,000
7. 500,000-1,000,000
8. 1,000,000-2,000,000
9. Over 2,000,000
[A3023]
Last year, how much else were you paid in after-tax subsidies or
subsidy in-kind? This includes food, medical , transportation,
communication and housing subsidies[Method of Inquiry]
[A3024]
Last year, how much personal income taxes did you pay in total?
This includes taxes on salary, bonuses, and subsidies. [Method of
Inquiry]
Note to Interview[A3002]>1then ask [A3029]~[A3037]IfA3002 = 1skip toA4001

[A3028]
[CAPI LOAD NAME]what is the nature of the second job ?

[Card A5]
1. Employed by others or an organization
2. Self-employment, start-upskip to[A4001]
3. Farming at homeskip to[A4001]
4. Hired back by previous employer after retirement
5. Freelance
6 Otherskip to [A4001]
17
[A3029]
Last year, how many months did you spend on the job in total?
[A3030]
Last month, on average how many days did you work a week?
[A3031]
Last week, on average how many hours did you work a day?
[A3036]
After taxes how much money can be obtained from the second
job ? This includes bonuses, subsidies and real subsidies. [Method
of Inquiry]
(If the respondent does not know or is unwilling to answer then
ask[A3036it])
[A3036it]
Last year, after-tax income from the second job was in which of the
following ranges? [Card R1]
1. Under 10,000
2. 10,000-20,000
3. 20,000-50,000
4. 50,000-100,000
5. 100,000-200,000
6. 200,000-500,000
7. 500,000-1,000,000
8. 1,000,000-2,000,000
9. Over 2,000,000
[A3037]
Last year, personal income taxes paid on second job totaled was
how much? This includes monetary wages, bonuses, and subsidies
paid. [Method of Inquiry]
skip to[A4001]
Work History
[A3039]
18
How old were you when you started your first job?
[A3040]
[A3041]
How many jobs have you had so far?

If 0then skip to[A4001]
Which broad professional category does[CAPI load A3040
select]job fall into?
[Card A5a]
1. Administrator in government office, party and mass
organization, enterprise and public institution
2. Professionals
3. Staff and supporting personnel
4. Business and service personnel
5. Agriculture, Forestry, Animal husbandry and Fishery
6. Production or transportation equipment operators and related
personnel
7. Soldier
19
[A3042]
20
What industry does the se

[CAPI load A3040 select] job fal l
under?Can select multiple[Card A5b]
1. Agriculture,
hunting 11. Real Estate activities
forestry and fishing
12. Renting and business services
2. Mining and quarrying
13. Scientific research, technical
3. Manufacturing
services and geological prospecting
4. Electricity, gas and water 14. Water, environment, and public
and supply
facilities management
5. Construction
15. Resident services and other
6. Transportation,
storage services
and communications
16. Education
7. Information transmission, 17. Health and social work
computer services and 18. Culture, sports and entertainment
software industry
19. Public administration and social
8. Wholesale and retail trade organization
9. Accommodation and food 20. International organization
service activities
21. Other
10. Financial intermediation
4. Subjective Attitude of Respondent

Display: Below we would like to ask a few questions relating to your subjective attitude.
[A4001] What are your main methods of obtaining information?Can Choose Multiple[Card A10]
1. Newspapers/Magazines
5. SMS
2. Television
6. Family, Friends and Coworkers
3. Radio
7.Other (Please Specify)
4. The Internet
[A4002] What type of information are you most interested in?Can Choose Multiple[Card A11]
1. Politics
6. Entertainment
2. Economics
7. Military
3. Society
8. Health
4. Science and education
9. OtherPlease Specify
5. Sports
[A4003] Assume you have some assets to invest, which type of project would you invest in?[Card A12]
1. High Risk, High Return
2. Slightly above-average risk, slightly above-average return
3. Average risk, average return projects
4. Slightly below-average risk, slightly below-average return
5. Unwilling to take any risk
[A4004] When the value of your assets rises, are you willing to spend more?
1. Very likely
4. Unlikely
2. Likely
5. Very unlikely
3. Maybe
[A4005] What do you expect of Chinas economic prospect in the next three to five years?
1. Much better
4. A little worse
2. Better
5. Much worse
3. As good as now
[A4006] What do you think of the public safety in this locality?
1. Extremely good
2. Good
3. So-so
4. Poor
5. Very Poor
[A4007] In which direction do you expect the interest rate to move in the coming year?
1. Rise a lot
4. Reduce a little
2. Rise a little
5. Reduce a lot
3. Almost no change
21
[A4008] In which direction do you expect the commodity prices to move in the coming year?
1. Rise a lot
4. Reduce a little
2. Rise a little
5. Reduce a lot
3. Almost no change
[A4008a] In the coming year do you expect home prices to change?
1. Rise a lot
2. Rise a little
3. Almost no change
4. Reduce a little
5. Reduce a lot
[A4008b] Do you normally wear car seatbelts?

1. Yes
2. It depends
3. No
[A4009] How much did your family donate for the relief of Wenchuan earthquake in 2008? Please
estimate the monetary value of the donation in-kind if any
Unit: RMB
[A4010] When you cross the road do you follow traffic rules and wait for the stop light?
1. Always comply
3. It depends
2. Disobey on occasion
4. Rarely obey
If A2001 select option 6 and A2005>=1986then ask A4010aif not, skip to A4011c
[A4010a] Do you plan to send your kids to study abroad?
1. Yes
3.No
2.It depends
[A4011c] Overall , do you feel happy?
1. Extremely happy
4. Unhappy
2. Happy
5. Extremely unhappy
3. So-so
[A4012] Assume that the current interest rate is zero and there is no price inflation to be factored in, ,
which of the following payments would you prefer, 1000 RMB on tomorrow or 1100 RMB
in one year?
1. Get 1000 RMB tomorrow
2. Get 1100 a year from now
Part 2: Assets and Liabilities

GuideBelow we will ask some questions relating to your family assets and liabilities,
including those of all family members mentioned above. Lets begin with your familys
non-financial assets.
22
1. Non-Financial Assets
I) Family business
Agriculture
[B1001] In the last year, did your family engage in agricultural production? This includes agriculture, forestry,
animal husbandry and aquaculture, but does not include any work you were hired to do by others.
1. Yes
2. Noskip to [B2001]
[B1002] Last year, how many members of your family were engaged in agricultural production?
[B1003] Last year, on average, how many months were they engaged in agricultural production?
Dont know, mark-9
[B1004] Last year, what kind(s) of agricultural production was your family engaged in? Can
Choose Multiple[Card B1]
1 Staple Crops
4 Animal Husbandry
2 Cash Crops
5 Aquaculture
3 Forestry
6 OtherPlease Specify
[B1005] Last year, how much gross income did your family make from the agricultural activities?
(Unit: RMB)[Method of Inquiry]
If the respondent does not know or is unwilling to answer then ask [B1005it])
[B1005it] Which of the following range dose your family gross income from agriculture falls
into?[Card R2]
1. Under 20,000
6. 500,000-1,000,000
2. 20,000-50,000
7. 1,000,000-2,000,000
3. 50,000-100,000
8. 2,000,000-5,000,000
4. 100,000-200,000
9. 5,000,000-10,000,000
5. 200,000-500,000
10. Over 10,000,000
[B1006] Last year, did your family receive any subsidy for agricultural production?
1. Yes
2. Noskip to[B1011]
[B1007] What type of subsidy?
1 Cash
2 Subsidy in-kindskip to[B1009]
3.Both
23
[B1008] How much is the cash subsidy? (Unit: RMB)

If [B1007]=1skip to[B1011]
[B1009]Which of the following subsidy in-kind did you receive?Can Choose Multiple[Card B2]
1. Pesticide/Fertilizer
4. Fish or shrimp Eggs
2. Seeds/Seedlings
5. Agricultural Machinery
3. Livestock/Cubs
[B1010]What would be the market value of these subsidy in-kind?
[B1011] Last year, in addition to family members engaged in agriculture, how much did your family
spend to hire outside helpers?
Dont know mark-9)
[B1012] Last year, what was the total cost of your familys agricultural activities? [Method of
Inquiry]
(If respondent does not know or is unwilling to answer then ask [B1012it])
[B1012it] By your estimation, total cost from this project falls into which of the following
ranges?[Card R2]
1. Under 20,000
6 . 500,000-1,000,000
2 . 20,000-50,000
7 . 1,000,000-2,000,000
3 . 50,000-100,000
8 . 2,000,000-5,000,000
4. 100,000-200,000
9 . 5,000,000-10,000,000
5 . 200,000-500,000
10. Over 10,000,000
[B1013a] What would be the market value of the outputs from your familys agricultural activities?
(Unit: RMB)
[B1013] Currently, which farm machinery does your family own, except for tractors? [Card B3]
1 Rice
husk
grinder
(includes pulverizer)
2 Powered sewing machine
3 Harvester
4 Pumps Includes water
pump
5 Livestock machinery
6 Forestry machinery
7 Aquaculture machinery
9. Noneskip toB2001
[B1014] How much are those farming machinery worth?[Method of Inquiry]

Dont know mark-9
24
Industry & Commerce

Note to Interview Here Industrial & commercial projects
self-employment and private enterprise.
[B2001] Last year, did your family engage in any industrial or commercial projects?
1. Yes
2. NoIf [B1001]=1skip to[B3001] if [B1001]=2skip to [C1001]
includes
[B2002] In total, how many projects were your family being part of?
If the respondent does not know, mark-9)
If [B2002]=1then skip to[B2004]
[B2003a] Currently, what is the total assets of these projects, not including the value of your own
house used by these projects.(If the respondent doesnt know, please mark -9, if the
respondent is unwilling to answer please mark -7)
[B2003b] Last year, what was the revenue/gross income from these projects[Method of Inquiry]
(If respondent doesnt know, please mark -9; if the respondent is unwilling to answer,
please mark -7)
[B2003c] Last year, what was the net profit from these projects?[Method of Inquiry](If respondent
doesnt know, please mark -9; if the respondent is unwilling to answer, please mark -7)
If [B2002]>1ShowNext, we would like to ask about your familys most important industrial or
commercial endeavor?
[B2004] In which year did your family begin this project
[B2005]Initially, how was this project started?[Card B4]
1. Initiated by your family alone
2. Bought into
3. Inherited/Gifted
4. Joined as a partner
5. Other
[B2006] Currently, how much does your family own this venture?
(If respondent doesnt know, please mark -9; if the respondent is unwilling to answer,
please mark -7)
[B2007] What industry does this project fall under? [Card B5]
1. Mining
2. Manufacturing
3. Electricity, gas and water production and supply
4. Construction
5. Transportation, storage and postal industry
6. Information transmission, computer services and software industry
25
7. Wholesale and retail trade

8. Hospitality
9. Finance
10. Real Estate
11. Leasing and Business services
12. Scientific research, technical services and geological prospecting
13. Water environment and public facilities
14. Residential services
15. Education
16. Health, social security and social welfare
17. Culture, sports, entertainment
18. Public administration and social groups
19. International organizations
20. Other[B2008] What is the organizational form of this project? (Dont use card
1. Joint stock company
4. Wholly owned enterprise
2. LLC
5. Self-employed
/single
3. Partnership
proprietorship
[B2009] Aside from your family members, currently, how many outside employees do hire in this
project?
If respondent doesnt know, please mark -9
[B2010] Are you or your family members actively involved in day-to-day management of this project?
1.Yes
2. Noskip to[B2013]
[B2012] In atypical week, how many days do you or your family members work on this project
[B2013] Currently, what is the total assets of this project, not including the value of your own house
utilized by the project?
If respondent doesnt know or is unwilling to answer then ask[B2013it]
[B2013it] The total assets of this project fall into which range[Card R2]
1. Under 20,000
6 . 500,000-1,000,000
2 . 20,000-50,000
7 . 1,000,000-2,000,000
3 . 50,000-100,000
8 . 2,000,000-5,000,000
4. 100,000-200,000
9 . 5,000,000-10,000,000
5 . 200,000-500,000
10. Over 10,000,000
[B2014] Last year, what was the revenue/gross income of the project?[Method of Inquiry]
(If respondent doesnt know or is unwilling to answer then ask [B2014it])
[B2014it] By your estimation, income from this project falls into which of the following ranges?
[Card R2]
26
1.
2.
3.
4.
5.
Under 20,000
20,000-50,000
50,000-100,000
100,000-200,000
200,000-500,000
6.
7.
8.
9.
10.
500,000-1,000,000
1,000,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
Over 10,000,000
[B2014a] How was the profitability of this project last year

1. Profitable 2. losing money
3. Flat
[B2015] Last year how much money did the project[load B2014a]make/lose?[Method of Inquiry]
(If respondent doesnt know or is unwilling to answer then ask [B2015it])
[B2015it] Your estimation of this projects[CAPI load B2014a options]profitability/loss is within the
range of : [Card R2]
1. Under 20,000
6 . 500,000-1,000,000
2 . 20,000-50,000
7 . 1,000,000-2,000,000
3 . 50,000-100,000
8 . 2,000,000-5,000,000
4. 100,000-200,000
9 . 5,000,000-10,000,000
5 . 200,000-500,000
10. Over 10,000,000
Agricultural/Business Related Bank Loans

[B3001] For the above[CAPI loadif B1001is 1indicates agricultureif B2001 is 1indicates
industrial/commerce if
both
are
1 indicates
agriculture
and
industrial/commercial]business activities, do you currently have any bank loans?
1. Yesskip to[B3004]
2. No
[B3002] Why dont you have loansCard B7
1. No needskip to[B3030]
2. Need loans, but have never applied
3. Applied for loans but was deniedskip to[B3003]
4. Had a loan but paid it off (skip to [B3030])
[B3002a] Why hasnt your family applied for a loan Can Choose Multiple
Do not use card
1. Dont know how to apply
2. Dont have confidence the loan would be granted at all
3. The application process is too troublesome
4. OtherPlease Specifyskip to[B3030]
[B3003] Why do you think your loan was rejected Can Choose Multiple[Card B8]
1. Still had debt to pay off
5. No collateral
2. No guarantor
6. Bad credit history
3. Not familiar with the loan officer
7. Project is too risky
4. Income is low, loan officer is worried
8. Policy reasons
27
skip to[B3030]
[B3004]How many batches of loans do you have currently
[B3004a]What was the total amount of loans taken from banks?Unit:RMB[Method of Inquiry]
[B3005] Currentlywhat is amount of the outstanding loan(s) [CAPI load B3004 option]?Unit:
RMB[Method of Inquiry]
[B3005it] The amount of the outstanding loan(s) is within the range of: [Card R2]
1. Under 20,000
6 . 500,000-1,000,000
2 . 20,000-50,000
7 . 1,000,000-2,000,000
3 . 50,000-100,000
8 . 2,000,000-5,000,000
4. 100,000-200,000
9 . 5,000,000-10,000,000
5 . 200,000-500,000
10. Over 10,000,000
If [B3004]>1showNext, we would like to gain an understanding of your familys largest loan from
a bank.
[B3006] In which year did your family take this loan
[B3007] Last year how much was the interest on this loanUnit: RMB
If B3004 = 1skip to B3009
[B3008] How much was the loanUnit: RMB[Method of Inquiry]
[B3009] What type of loan is it? [CardB9]
1. Collateral loan
2. Hypothecated Loan
3. Guaranteed Loan
4. Credit
[B3010] Which bank did offer the loan[CAPI]List the financial institutions name.
[B3011] What is/are the main reason(s) for choosing this bankCan Choose Multiple[CardB10]
1. Low interest rates
7. Good reputation
2. Past
experience
in
8. Market position
transaction
9. Good service
3. Easy to get approved
10. Convenient hours, and
4. Low fees
location
5. Personal relationships
11. No right to choose
6. Flexible loan terms
If B3004=1then skip to B3022
[B3018] Currently, how much is the outstanding loan? (Unit: RMB
28
[B3022] What is the annual interest rate of the loan? %

If respondent doesnt know, please mark -99if no interest is charged then mark-88
[B3023] Is the interest rate adjustable
1. Yes
[B3024] What happened to the most recent rate adjustment

1. Rose
2. Fell
2.Noskip to[B3030]
3. Noneskip to[B3030]
[B3025]What is the annual interest rate (%) now?

If respondent doesnt know, please mark -99if interest is not charged then mark-88
[B3030] Aside from bank loans, has your family borrowed any money from other sources for
business activities?
1. Yes
2. Noskip to[C1001]
[B3031] How much was the loanUnit: RMB
[B3033] Currently, how much is the loan outstandingUnit: RMB[Method of Inquiry]
[B3033it] The amount you still owe is within the range of:[Card R2]
1. Under 20,000
2 . 20,000-50,000
3 . 50,000-100,000
4. 100,000-200,000
5 . 200,000-500,000
6.
7.
8.
9.
10.
500,000-1,000,000
1,000,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
Over 10,000,000
[B3035] Who were the creditors of the loans[Card B13]Can Choose Multiple
1. Parents
5. Friends/colleague
2. Sons and daughters
6. Informal financial
3. Siblings
organizations
4. Other relatives
7. Other
Note to InterviewFrom the first payment of principal or interest.

[B3039a] Did this loan have an explicit pay-off schedule?
1. Yes
2. No
29
[B3043a] Last year what was the total amount of interest your family paid on these loans?
(Unit:RMB)
(2) Land and Real Estate

DisplayBelow, we would like to gain an understanding of the real estate and land your
family owns
[C1001] Which of the following does best describe the place your family livedirectly read
options
1 Owned by family members
2 Rented
skip to[C2002]
3 Free
[C1002]Who own this house[Card B14]

1. The State
2. Work unit
3. Parents
4. Parents-in-law
5. son/daughter-in law
6. daughter/son-in law
7. Grandson/Granddaughter-in-law
8. Granddaughter/Grandson-in-law
9. Sibling
10. Other relatives
11. Non-relatives
[C1003] Does your family[CAPI load C1001 option] live in part of the houseor the whole house ?
1 Whole house
2 Part of the house/ one of the roomsskip to[C1005]
[C1004] How many square meters is the actual living space of the house?
skip to[C1006]
[C1005] How many square meters is the actual living space your family occupies if the house is
shared[CAPI load C1001 option]
(If respondent doesnt know, please mark -9)
[C1006]How many minutes does it take to get to the nearest city/county center from this house?
(If respondent doesnt know, please mark -9if it is in city/county center mark 0)
[C1007]Method of transportation?
1. by foot
2. Bicycle
3. Motorbike/Electric Carts
4. Bus
30
5. Subway/light rail
6.Car
[C1008] When did your family move into this house?

If respondents did not know, record -9)
[C1010]When your family moved in,[CAPIloadC1001 options]how was it decorated/furnished?
1. Undecorated/Unfurnished
4. High-end Decor
2. Lightly decorated
5. Luxury Decor
3. Somewhat decorated
If[C1001]=3skip to[C1014]
[C1012a] Currently, how much rent do you pay each time?Unit: RMB
(If respondent doesnt know, please mark -9if rent is not paid thenmark 0 and skip to[C1014])
[C1012]How often do you pay?
1. Month
2. Quarter
3. Half-year
4. Year
5. Two Years
6. No Rent
7. Other
[C1013] Which of the following services are included in your rent Can Choose Multiple[Card
B15]
1. Water
6. Telephone
2. Electricity
7. Network
Charges
on
3. Gas
Internet
4. Property Management fee
8. None included
5. Fiber optics
[C1014] If you put your house on the rental market, how much would the monthly rent beUnit:
RMB
[C1015] At the market price, what is the value of your house?(Unit: 10,000 RMB)
(If respondents did not know, mark -9)
Property Ownership Structure

[C2001]Does your family own any house
1. Yes
2. Noskip to[C4001]
Note to Interview: Houses mentioned below do not include those already demolished by
the end of last year.
[C2002] How many houses do you own?
31

[C2002a] Does your family rent the house(s) out?
1. Yes
2. No (skip to[C2003])
[C2002d] Last year, how much money did your family receive in rent?
Real Estate Information
Housing Code[CAPIload home code]
[C2003]
How many square meters is the houses construction size

[C2004]
How many square meters is the houses actual living spaceIf respondent doesnt
know, please mark -9
[C2005]
Aside from the toilet, how many rooms does this house have?
Note to Interview: If this person lists how many living
rooms, bathrooms and bedrooms you can write it down
directly.
[C2006]
How did you get this house?[Card B16]

1 from the real estate market
2 Affordable Housing Program
3 Inheritance or gift
4 Purchased from the working unit at below market
price
5 Built through collective fund raising(jizi)
6 Self built/ expansion
7 Replacement of demolished former residence Other
[C2008]
What form of property is this house?

1. Partial Ownership
2. Full ownership
3. Informal ownership (xiaochanquan) Rural collective
land ownership
[C2009a]
Does this house located within the city/county?

1. Yes
2. No
32
01
02
03
[C2010]
[C2011]
How many minutes does it take to get to the city/county center

from the house?
Interviewer
NoteIf it is in the city/town center mark-0
Transportation
1. By foot
2. Bicycle
3. Motorbike or electric cars
4. Take the bus
5. Subway/Light Rail
6. By Car
[C2012]
When did you get this house?

[C2013]
How much did you pay for this house? (Unit: 10,000 RMB)
(If respondent doesnt know or is unwilling to answer then
ask[C2013it])
[C2013it]
By your estimation the costs of this house for you was in the
range of : [Card R3]
1. Under 50,000
2. 50,000-100,000
3. 100,000-200,000
4. 200,000-500,000
5. 500,000-1,000,000
6. 1,000,000-2,000,000
7. 2,000,000-5,000,000
8. Over 5,000,000
[C2013a]
At the time the house was acquired, what was the total amount of
taxes and fees paid? (Unit:10,000 RMB) [Method of Inquiry]If
respondent doesnt know, please mark -9
[C2016]
How much is the house worth now? (Unit:10,000 RMB)[Method

of Inquiry]
If respondent doesnt know or is unwilling to answer then
ask[C2016it
33
[C2016it]
This houses market value falls in the range of;[Card R3]

1. Under 50,000
2. 50,000-100,000
3. 100,000-200,000
4. 200,000-500,000
5. 500,000-1,000,000
6. 1,000,000-2,000,000
7. 2,000,000-5,000,000
8. Over 5,000,000
[C2022]
Is this house used for commercial purposes?

1. Yes
2. Noskip to[C2024]
[C2023]
What is the construction size for the part of the house that is used
for commercial purposes(Unit: Square Meters)
[C2024]
ShowThank you for your responses, now I would like to ask some questions
relating to your familys debt situation.
Currently, does your family have any loan outstanding for purchasing, decorating,
remodeling, or expanding your home?
1. Yesskip to[C2027]
2. No
[C2025]
Why dont you have bank loans?[Card B7]

1. Dont need themskip to[C3001]
2. Need a loan but havent applied
skip to[C3001]
3. Application was rejected
4. Already paid them off skip to[C3001]
[C2026]
Why do you think your loan application was rejected?Can

Choose Multiple[Card B8]
1.Already owe some debts
2. No guarantor
3.Not familiar with the loan officer
4.Income is low, loan officer is worried
5.No collateral
7. Too risky
8. Policy reasons
skip to[C3001]
34
[C2027]
How many batches of loans do you have? If more than one, ask about the most
substantial oneIf respondent doesnt know, please mark -9
CAPIbelow we would like to get some information about
the loan
[C2028]
When did you take out this bank loan?
[C2030]
What was the loan for?

1. Purchase housing
2. Home improvementsskip to[C2037]
3. Remodeling/expansionskip to[C2037]
4. Other
[C2031]
Is this loan a mortgage?

1. Yes
2. Noskip to[C2037]
[C2032]
How much was down payment? (Unit: 10,000 RMB)[Method of Inquiry]
[C2034]
Where did the down payment come from?Can Choose Multiple[CardB18]
1. Respondent or Spouse
2. Gift from child(ren)
3. Gift from parents
4. Gift from other relatives/friends
5. loan from bank
6. borrowed money
7. Other
[C2035]
When your family purchased this house, what type of bank loan did you take?
1. Provident Fund Loan

2. Commercial Loan
3. Loan Portfolio
[C2037]
Which bank did your family take this loan from? [CAPI]local
financial institution on list
35
[C2038
[C2041]
What is/are the main reason(s) for choosing this bank Can
Choose Multiple[CardB10]
1. Low interest rates
2. Has done business
3. Low approval rate
4. Low cost
5. Personal relationships
6. Flexible loan terms
7. Good reputation
8. Influence
9. Good service
10. Hours, convenient location
11. No right to choose
What was 12.
the OtherPlease
total amount ofSpecify
house loans taken from banks at the
time? (Unit: RMB[Method of Inquiry]
[C2044]
How long is the loan period? (Unit: Years)
[C2046]
What is the loans interest rate? (%)

[C2050]
Have you ever changed the repayment schedule for this

loan?[CardB11]
1. Neverskip to[C2052]
2. Paid back part of the principal ahead of the schedule
3. Extended the term
4. Stopped payment
5. Other
[C2051]
Why did you change the repayment schedule?[CardB12]

1 Interest rate adjustment
2 Change in income
3 Changes in expected income
4 Changes in price levels
[C2052]
What is your loan repayment plan? (Just referring to the first

home)
1. One-time payment of principal and interest
2. Equal installments of principal and interest
3. Equal installments of principal
4. Uneven installments
[C2055]
How much of your house still needs to be paid off? (Unit: 10,000
RMB)[Method of Inquiry]
If respondent doesnt know or is unwilling to answer then
ask[C2055it]
36
[C2055it]
By your estimation the amount remaining to be paid on this loan

falls into which range? [Card R3]
1. Under 50,000
2. 50,000-100,000
3. 100,000-200,000
4. 200,000-500,000
5. 500,000-1,000,000
6. 1,000,000-2,000,000
7. 2,000,000-5,000,000
8. Over 5,000,000
[C3001]
Aside from bank loans, did your family borrow money from any
other sources for the purchase, construction or renovation of this
home?
1.Yes
2. Noskip to[C4001]
[C3002]
What was the total amount of these non-bank loans?[Method of

Inquiry]
If
doesnt
know, please
mark
Noterespondent
to Interview:
We would
now like
to -9
learn about the situation
[C3003]
surrounding your largest non-bank loan largest loan.

How much money did you borrow?[Method of Inquiry]
[C3004]
From where was this loan taken[CardB13]

1. 1.Parents
2. 2. Sons and daughters
3. 3. Sibling
4. 4. Other relatives
5. 5.Friends/colleague
6. 6.Informal financial organization
[C3006a]
Was there an explicit due date for paying back the money?
1Yes
2No
[C3011]
What was the interest rate originally?

If respondent doesnt know, please mark -9if interest it not
chargedthen mark -0, 1 li is equivalent to an annual rate of
12%;1 fen is equivalent to an annual rate of 1.2%skip
to[C3016]
37
[C3012]
Was it an annual rate, monthly rate or daily rate?

1Yearly Interest Rate
2Monthly Interest Rate
3 Daily Rate
[C3015]
What was the amount of your last repayment? (Unit: RMB)

If respondent doesnt know, please mark -9if has not yet begun
repayment, mark -0)
[C3016]
How much is the loan outstanding?Unit:RMB

If respondent doesnt know or is unwilling to answer then ask[C3016it]. If
paid offthen mark -0,and skip to[C4001]
[C3016it]
The loan outstanding is within the range of :[Card R3]

1. Under 50,000
2. 50,000-100,000
3. 100,000-200,000
4. 200,000-500,000
5. 500,000-1,000,000
6. 1,000,000-2,000,000
7. 2,000,000-5,000,000
8. Over 5,000,000
Housing Demolition
Note to Interview: This includes demolition/relocation of productive and residential
housing owned by the family
[C4001] Has your family ever experienced a housing demolition/relocation (chaiqian)?
1. Yes
2. Noskip to[C5001]
[C4002]When was the last time your house was demolished?
[C4004]What was the area of the demolition?
[C4005] What unit?
1. Square meter
2. Fen
3. Acre
38
4. Hectare
5. Mu
Interviewer Note: If the respondent [C4004] has answered directly record/

[C4006]What was the form of compensation received for the demolition?
1. Monetary Compensation
4.
2. Housing Compensationskip
to[C4008]
5.
3. Both
[C4007]What was the amount of the financial compensation?
If C4006=1skip toC4008c
[C4008]What was the area being compensated to you?
[C4008a] What unit?
1. Square meter
2. Fen
3. Ace
No competitionskip
to[C5001]
OtherPlease Specify
skip to[C5001]
(Unit:10,000 RMB)
4.
5.
6.
Hectare
Mu
OtherPlease Specify
[C4008b] What is the estimated value of the housing you received as part of the compensation ?
(Unit: 10,000 RMB)
[C4008c] Were you satisfied with the total compensation?
1Very Satisfied
4Not satisfied
2Satisfied
5Very unsatisfied
3Somewhat satisfied
Land Status
Note to Interview: The land mentioned includes state owned land rights, but does not
include urban residential housing.
[C5001] Does your family own any land?
1. Yes
2. Noskip to[C7001]
[C5002] Which of the following categories does this piece of land fall into?Can Choose
Multiple[CardB20]
1 Agricultural land
3 State-owned land rights
2 Rural collective construction
land homestead
CAPILoop on [C5002] options
[C5003] [Load [C5002] options]What is the area of the land[Load [C5002] options]?
39
[C5004] What unit

1. Mu
2. fen
3. Ares
4. Hectare
5. Square meter
Interview NoteIf the respondent [C5003] has answeredrecord directly.

[C5005] Is the land [Load [C5002] option] rented out?
1. Yes
2. Noskip to[C5010]
[C5006] What is size of the area being rented out?
[C5007] What is the unit?
1. Mu
2. fen
3. Ares
Note to InterviewIf
4.
5.
6.
Hectare
Square meter
OtherPlease Specify
the respondent [C5006] has answeredrecord directly.
[C5008] Last year what was the total amount of rent received? This includes land dividend.
[C5010] At current market price, how much is this piece of land[CAPI load C5002 option]worth
Land Expropriation
[C6001] Was your familys land ever being expropriated by the state?
1. Yes
2.
Noskip to[C7001]
[C6002] When was the last time your land was expropriated?
[C6004] What was the area of the land expropriated?
[C6005] What units?
1. Mu
2. Fen
3. Ares
4. Hectare
40
5. Square meter
[C6006] What is the method of compensation?

1. Monetary
2. Non-monetaryskip to[C6008]
3. Both of 1 and 2
4. No compensationskip to[C7001]
[C6007] How much was the monetary compensation? (Unit: 10,000 RMB)
If C6006=1skip toC7001
[C6008] What is the form of non-monetary compensation?
1. Pensions
2. Health insurance
3. Job placement
(3) Vehicles
Instructions: Here we would like to gain a better idea about the situation of your
familys vehicles.
[C7001] Does your family own any vehicles including car, bus, or truck
1. Yes
2.Noskip to[C7053]
[C7002] What is the total number of the cars, buses or trucks your family own?
If C7002>2shows: Here we would like to know more about the most recent car your
family purchased?
Vehicle Information
Car Code
01
[C7003]
Make?
[C7004]
Model?
[C7005]
In which year did your family get this car?
[C7007]
Was it brand now or used?

1. New 2. Used
02
03
41
[C7008]
What was the price of the car ? (Excluding taxes and fees) (Unit: 10,000
RMB) (If respondent doesnt know, please mark -9
[C7008a]
What was the total amount of taxes and fees incurred when buying this car?
(Unit: RMB
[C7009]
What is the cars current market value?

If respondent doesnt know or is unwilling to answer then ask[C7009it]
[C7009it]
Which of the following is close to the cars current market

value?[Card R4]
1. Under 20,000
2. 20,000-50,000
3. 50,000-100,000
4. 100,000-200,000
5. 200,000-500,000
6. 500,000-1,000,000
7. Over 1,000,000
[C7009a]
How many kilometers has the car been driven?

[C7014]
Did your family take a bank loan to buy this car

1Yesskip to[C7018]
2No
[C7015]
Why didnt they take bank loans?[CardB7]

1 Did not need themskip to[C7047]
2 Need them, but did not applyskip to[C7047]
3 Applied for a loan but was rejectedskip to[C7047]
4 Already paid offskip to[C7047]
[C7018]
How much was the auto loan? (Unit: 10,000 RMB)

[C7019]
How much is the loan outstanding?(Unit: 10,000 RMB)

42
[C7019it]
The loan outstanding is within the range of :[Card R4]

1. Under 20,000
2. 20,000-50,000
3. 50,000-100,000
4. 100,000-200,000
5. 200,000-500,000
6. 500,000-1,000,000
7. Over 1,000,000
[C7047]
In addition to the bank loans, did your family borrow other money for
buying this vehicle?Unit: RMB
[C7048]
1Yes
22. Noskip to[C7003]ask about another vehicleif it was the
last one then skip to[C7053]
Where did your family borrow from? Can Choose
Multiple[CardB13]
1. Parents
2. Children
3. Siblings
4. Other relatives
5. Friends/colleague
6. Informal financial organization
7. Other
[C7049]
What was the total amount borrowed by your familyUnit: RMB
[C7050]
Currently, how much does your family still owe?Unit: RMB

[C7050it]
By your estimation the amount owed falls in the range

of :[Card R4]
1. Under 20,000
2. 20,000-50,000
3. 50,000-100,000
4. 100,000-200,000
5. 200,000-500,000
6. 500,000-1,000,000
7. Over 1,000,000
Is interest paid on these loans?
[C7051]
1Yes
2Noskip to[C7003]ask about the next vehicleor if the last one then
skip to[C7053]
[C7052]
Last year what was the total amount of money spent on interest payments for
your bank loans and private loans. (Unit: RMB
43
If [C7002]>2then ask [C7052a]

[C7052a] Aside from the cars previously mentioned, what is the value of your familys other
vehicle(s)(Unit:10,000 RMB)
If respondent doesnt know or is unwilling to answer then ask[C7052ait]
[C7052ait] The value of the car(s) mentioned above falls in which of the following ranges?[Card R4]
1. Under 20,000
5. 200,000-500,000
2. 20,000-50,000
6. 500,000-1,000,000
3. 50,000-100,000
7. Over 1,000,000
4. 100,000-200,000
Other Vehicles
[C7053] In addition to the vehicles above, does your family have any other types of vehicles, such as
excavators, tractors, motorcycles, tricycles, electric bike, bicycles and so on?
1. Yes
2. Noskip to[C7070]
[C7055]What is the total value of these vehiclesUnit: RMB
Note to Interview: If your family only owns a fraction of this vehicle, record the value
of your familys fraction
[C7056] To buy the vehicle(s), did your family take out loans or borrow money?
1. Yes
2. Noskip to[C7057c]
[C7057] Currently, how much is the total loan outstanding on these loans?Unit: RMB
[C7057it] By your estimation the amount you owe falls in the range of:[Card R4]
1. Under 20,000
5. 200,000-500,000
2. 20,000-50,000
6. 500,000-1,000,000
3. 50,000-100,000
7. Over 1,000,000
4. 100,000-200,000
[C7057c] Last year did your family rent any vehicle?
1.Yes
2. Noskip to[C7057d]
[C7057a] How much did you pay for the car rental last year? (Unit: RMB)
[C7057d] Last year, did your family lease out any vehicle?
1. Yes
2. Noskip to[C7070]
[C7057b] How much is the income for leasing the vehicle(s) last year? (Unit: RMB)
If [C7001]=1 or [C7053]=1then ask [C7070]~[C7072]otherwise skip to[C8001]
44
Vehicle Insurance
[C7070] Does your family have any auto insurance policy?
1 Yes
2 Noskip to[C8001]
[C7071] What type of auto insurance did your family buy last year?Can Choose Multiple
[CardB22]
1. Mandatory
Traffic
9. Loss from breakdown
Insurance
insurance
2. Loss of vehicle insurance
10. Spontaneous Combustion
3. Third
party
liability
Insurance
insurance
11. Damage
to
added
4. Theft Insurance
equipment insurance
5. Auto liability insurance
12. Non-deductible special insurance
6. No-fault liability insurance
7. Dropped cargo liability
insurance
8. Glass breakage insurance
[C7072] Last year, what was the total amount of insurance premiums paid by your familyUnit:
RMB
[C7073] Did your family make any car insurance claim last year?
1.Yes
2 Noskip toC8001
[C7074] Last year, what was the amount received from your familys auto insurance claim? (Unit: RMB)
(4) Other Non-Financial Assets

Display: Next, we would like learn about any other non-financial assets your family
might have
[C8001] Currently, does your family have any of the following durable goods? Can Choose
Multiple [CardB23]
1. Camera
8. Solar/ Electric water heater
2. BW/Color TV
9. Furniture
3. Washing machine
10. Satellite Receiver
4. Refrigerator
11. Musical Instruments
5. Air Conditioner
12. None of the aboveskip to
6. Computer
C[8003]
7. Stereo
45
[C8002] How much are those durables [CAPI load each [C8001] selected options] worthUnit:
RMB
If respondent doesnt know, please mark -9Method of inquiry
[C8003] In addition to the items mentioned in the questionnaire, does your family have in other
assets such as yacht, private aircraft, antiques, rare animals or plants, rare stamps,
paintings or any other any other valuable assets?
1. Yes
2. Noskip to[D1101]
[C8004] What are those valuable items?Can Choose Multiple
1. Yacht/Private Plane
2. Antiques
3. Rare animals and Plants
4. Stamps/ paintings/ artwork
5. Gold, Silver, jewelry, etc
6. Other( such as high-end handbags, cosmetics, designer clothes, luggage, watches, etc)
[C8005] By your estimation what is/are [CAPI load each [C8001] selected options] currently
worthUnit: RMB
If respondent doesnt know, please mark -9Method of Inquiry
[C8006] Did your family borrow money or take out loans to purchase these assets
1. Yes
2. Noskip to[D1101]
[C8007] How much money is still unpaid?
Unit:RMB
[C8007it] By your estimation the amount you still owed is within the range of:[Card R4]
1. Under 50,000
4. 150,000-250,000
2. 50,000-100,000
5. 250,000-500,000
3. 100,000-150,000
6. Above 500,000
(2) Financial Assets

Display: Now we would like to learn something about your familys financial assets,
let us begin with deposits.
46
(I) Demand Deposits

[D1101] Does your family currently have RMB denominated checking account(s)
1. Yes
2. Noskip to[D2101]
[D1104] How many of these accounts does your family use regularly
[D1105] What is the total balance of the [CAPI load [D1104]] account(s)[Method of Inquiry]
If respondent doesnt know or is unwilling to answer then ask[D1105it]
[D1105it] The [CAPI load [D1104]] checking account balance is within the range of:[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
If [D1104]>1DisplayNextwe would like to learn more about your familys checking
account with the largest balance
[D1107] Which bank is this checking account with? [CAPI] List banks
[D1108] Why did your family choose this bank? (Can Choose Multiple)[CardB25]
1. Convenient location
11. Business/operational
2. More ATMs
needs
3. More self-service banking
12. Working/educational
4. Better online banking
needs
5. Convenient hours
13. Pay card/pension card/
6. Low fees
working place designated
7. Good service
14. Unlimited withdrawals
8. Simple procedures
15. No other institution
9. Numerous
banking
16. Less risk of bank failure
products
17. Prefer local agencies
10. Personal relationship
If [D1104=1]then skip to[D2101]
[D1111] Currently, what is the amount on deposit in this checking account[Method of Inquiry]
47
(II) Time Deposits (Certificates of deposit)

[D2101] Does your family currently have immature RMB time deposits
1. Yes
2. Noskip to[D3101]
[D2103] What is the main purpose of your familys time deposit?Can Choose Multiple[CardB28]
1. Interest income
8. Education or training
2. Asset security
9. To repay debt
3. Purchase/construction/de
10. Preparation for retirement
coration of a house
11. To travel or take a
4. To buy a car
vacation
5. Purchase of furniture,
12. Heritance to children
appliances, and other
13. Weddings and funerals
durable goods
14. Medical expenses
6. Initial funds for
15. No other investment
agricultural/Industrial/Co
channels
mmercial start-up
7. Financial investment
[D2103a] Altogether how many batches of time deposits does your family have?
[D2104] Currently what are these [CAPI load [D2103a]] time deposits worth in total[Method of
Inquiry]
[D2104 it] The [CAPI load [D2103a]] approximate value falls in which of the following ranges
[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
[D2106] Last year what was the after-tax income on your familys time depositsUnit: RMB
if respondent doesnt know, then mark-9
If D2103a>1Display: Next we would like to learn about your familys time deposit
with the largest balance .
[D2114] In what year was the deposit made
[D2115] How long is the time deposits term
If D2103a=1skip toD3101
48
[D2117] Currently, what is the value of the deposit[Method of Inquiry]

(III) Stocks
[D3101] Does your family have any stock accounts
1 Yesskip to[D3103]
2 No
[D3102] Why doesnt your family have stock account?Can Choose Multiple[CardB35]
6Cumbersome procedures
1 Stocks are too risky
7Lack relevant knowledge
2 Stock returns are too low
8Lost money previously
3 Dont know how to open
an account
9Never heard of them
4 Too far away from the
10Limited funds
security company
11 Other reasons Please
5Do not know where to open
Specify
an account
skip to[D4101a]
Note to Interview: The cash balance in the stock account refers to the money not used
to purchase shares.
[D3103] How much cash balance do these equity accounts have, please note, that cash used to
purchase shares is not included?[Method of Inquiry]Unit: RMB
If respondent doesnt
know or is unwilling to answer then ask[D3103 it]
[D3103 it] The stock accounts balance is in which of the following ranges?[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
[D3104] How many stocks does your family currently hold
If [D3104]>0 or -9skip to[D3106]
[D3104]=0then ask[D3105]
[D3105] Why doesnt your family hold stocksCan Choose Multiple[CardB36]
1 Bad market
2 Return is low
49
7Lack relevant knowledge

9Limited funds
10 Other reason Please
3 Not sure which company

to invest
4 Invest in mutual funds
5 Insufficient cash in the
account
6Dont know how to buy
skip to[D4101a]
Specify
[D3106] Is there any family member who is or has worked in one of those companies that issued the
stocks your family hold?
1. Yes
2. No
[D3107] How long has your family invested in stocks? (Unit: Months)
Note to Interview: The following question is asking the entire familys return from
investing stocks, rather than that of an individual stock or family member.
[D3108] From the first stock purchase until now, what is your familys loss/gain situation?
1. Profit
3. Loss
2. Broke even
Note to Interview, this question refers to the total market value of all stocks,
excluding cash remained in the account(s)
[D3109] What is the current market value of the stocks your family owns? [Method of Inquiry]
If respondent doesnt know or is unwilling to answer then ask[D3109 it]
[D3109 it] The market value of these stocks falls in which range?[Card R5]
1. Under 5,000
7.
2. 5,000-20,000
8.
3. 20,000-50,000
9.
4. 50,000-100,000
10.
5. 100,000-200,000
11.
6. 200,000-500,000
500,000-1,000,000
1,00,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
10,000,000
Note to Interview: What this question asks is the most commonly method used by your family.
Please let the respondents subjective judgment prevail.
[D3111] What is your familys main method of purchasing stockCan Choose Multiple[CardB37]
1. Home Computer
5. Landline doesnt include cell phone
2. Office Computer
6. Cell Phone
3. Internet access point (Internet
7. Through brokers
caf, school computer etc)
8. Other
4. Counter
50
Note to InterviewThis question asks about respondents what their investment decisions for the family are
based on, allow the respondents subjective judgments to prevail.
[D3112a] Which family member usually makes the stock investment decisions?[CardB38]
1. Respondent
7. Grandchildren
2. Spouse
8. Brothers and sisters
3. Respondent and spouse
9. Other relatives
together
10. Unrelated persons
4. Family collectively decides
11. Family member makes decisions individually
5. Parents
6. Children
[D3113] Does your family have any non-publicly traded stocks
1 Yes
2 Noskip to[D3116a]
[D3116] What do you estimate the current value of these stocks to be? (Unit: RMB)
Note to Interview: This question refers to the entire familys stocks, rather than an
individual stock or that of a certain family member.
[D3116 it] The market value of this/these stock(s) falls in which of the following ranges[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,000,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. above 10,000,000
6. 200,000-500,000
[D3116a] Did your family take a loan or borrow money to buy stocks?
1 Yes
2 Noskip to[D3117]
[D3116b] How much money is still owed?Unit: RMB

[D3117] Last year how much after-tax income did your family make from changes in stock price or
dividendsUnit: RMB
(If respondent doesnt know or is unwilling to answer then ask[D3117it])
[D3117it] Which of the following ranges does your familys after-tax income fall in?[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
51
(IV) Bonds
[D4101a] Which of the following assets does your family ownCan Choose Multiple
1.Bonds
2.Mutual Fundsskip to[D5103]
3.Derivativesskip to[D6103]
4.Wealth Management Productsskip to[D7103]
5.Noneskip to[D7112a]
Note: If the respondent has multiple choices, then ask about each financial asset
separately
[D4101] Currently, your family has which of the following bonds[CardB31]
1 State Treasury Bills
2 Local Government Bonds
3 Financial bonds
4 Corporate bonds
5 Other bondsPlease Specify
[CAPI]: cycle [D4101] selected options

[D4103] What is the total face value of the [CAPI load bond name] that your family holds
[Method of Inquiry]
[D4103 it]Which following range does the total face value fall in?[Card R5]
1.
2.
3.
4.
5.
6.
Under 5,000
5,000-20,000
20,000-50,000
50,000-100,000
100,000-200,000
200,000-500,000
7.
8.
9.
10.
11.
500,000-1,000,000
1,00,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
10,000,000
[D4105] Next we would like to learn about your familys largest [CAPI load bond name] situation.
In what year was it bought?
[D4106] How long is the term of [CAPI load bond name]?
[D4108] What is the [CAPI load bond name] face value[Method of Inquiry]
[D4110] [CAPI load bond name]What is the annual interest rate
Break circle
52
[D4110a] Did your family take loans or borrow money to buy bonds?
2 Noskip to[D4111]
1 Yes
[D4110b] How much money is still owed?Unit: RMB
[D4111] Last year, how much after-tax income did your family make from bondsUnit: RMB
if respondent doesnt know, then mark-9
Go back to [D4101a]
(V) Fund
[D5103] How many mutual funds does your family invest?
[D5104] What kind of funds do you family investCan Choose Multiple[CardB34]
1. Stock
4. Hybrid
2. Bond
3. Money Market Fund
[D5105] How long has your family been invested in funds? (Unit: Month)
[D5107] What is the current total market value of these funds?Unit: RMB[Method of Inquiry]
[D5107 it] The total value of these funds is in which of the following ranges[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
[D5108a] Did your family take loans or borrow money to buy funds?
1 Yes
2 Noskip to[D5109]
[D5108b] How much does your family still owe?

[D5109] Last year, what was your familys after tax income from changes of funds prices, dividend
53
or interest payments?Unit: RMB

[D5109it] Which of the following ranges does your after-tax income from changes of funds price or
dividend fall in ? [Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,000,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
Go back to [D4101a]
(VI) Derivatives
We would like to learn something about the financial derivatives your family owns?
[D6103] Does your family own futures?
1 Yes
2 No (skip to[D6107])
[D6104] What are the commodities of these futures?Can Choose Multiple[CardB41]
1. Copper
11. Palm oil
2. Aluminum
12. Linear low density polyethylene
3. Zinc
13. Rapeseed oil
4. Precious metals futures
14. Wheat
(Gold, silver, platinum,
15. Cotton
palladium, etc.)
16. White granulated sugar
5. Natural Rubber
17. PTA(purified terephthalic acid)
6. Fuel Oil
18. Stock Index Futures
7. Corn
19. Foreign Exchange Futures
20. Interest Rate Futures
8. Soybean1#2
9. Soybean pulp
10. Soybean oil
Note to Interview: Ask the total market value of the futures here, if the respondents
to tell the value of each individual future, add them up.
[D6106a] What are these futures currently worth?Unit: RMB[Method of Inquiry]
If respondent doesnt know or is unwilling to answer then ask[D6106a it]
[D6106a it] The market value of these futures is approximately within the range of:[Card R6]
1. Under 5,000
3. 20,000-50,000
2. 5,000-20,000
4. 50,000-100,000
54
5.
6.
7.
8.
100,000-200,000
200,000-500,000
500,000-1,000,000
1,000,000-2,000,000
9. 2,000,000-5,000,000
10. 5,000,000-10,000,000
11. Above 10,000,000
[D6107] Does your family own any warrants

1 Yes
2 No (skip to[D6112])
Note to Interview: Ask the total market value of the warrants here, if the respondent
tells you the market value of each warrant, add your own total.
[D6110] What is the market value of the warrants you investedUnit: RMB[Method of Inquiry]
[D6110 it] The approximate market value of these warrants falls into which of the following ranges[Card R6]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,000,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
Note to InterviewThis question doesnt include the aforementioned futures and warrants.
[D6112] Does your family have any other financial derivatives, such as forward contracts, swaps, etc?
1 Yes
2 No(skip to[D6115])
Note to Interview: here ask the total market value of other derivative products, have they listed the
value of each derivative, add your own total.
[D6115] What are these derivatives now worthUnit: RMB[Method of Inquiry]
[D6115 it] The market value of these derivatives is in which of the following ranges[Card R6]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
Note to Interview: The questions asked the respondent families of all financial derivatives, including
futures, warrants, etc.
[D6115a] Did your family borrow money or take loans to purchase these financial derivatives?
2 Noskip to[D6116]
1 Yes
55

[D6116] Last year, what was your familys after-tax income from derivatives? Unit: RMB
[D6116it] By your estimation, your after-tax income was in which of the following ranges? [Card
R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,000,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
Return to [D4101a]
(VII) Financial Wealth-management Products

Note to Interview: Financial products do not include the previously mentioned
deposits, funds bonds, equities, derivatives, etc. Neither do they include business
assets, real estate, and personal property such as cars, art and other kinds of wealth
management property. Financial wealth-management products include those
offered by banks, brokers, or trust.
[D7103] Does your family have any wealth-management products offered by bank?
1 Yes
2 Noskip to[D7107]
[D7104] Which institutions are these bought from?Can Choose Multiple[CAPI] List of banks
Note to Interview: What these questions refer to is all family members financial
product investments, rather than those from a single bank financial product or of a
single person. If respondents reply with each individuals investments in financial
products, add your own total.
[D7105] In total how much did your family invest in these financial products?Unit: RMB[Method
of Inquiry]
56
[D7106a] What is the current value of the financial products your family holdsUnit: RMB
[Method of Inquiry]
If respondent doesnt know or is unwilling to answer then ask[D7106a it]
[D7106a it] The market value of these financial products is within the range of:[Card R6]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
[D7107] Does your family have other wealth-management products, for example, from security
brokertrusts, and so on?
1 Yes
2 Noskip to[D7111a]
Note to Interview: In these questions other financial products do not include
financial wealth-management products from banks. If respondents reply with each
individual investment, add them in total.
[D7108] In total how much money has your family invested in other financial products?Unit:
[D7110] Currently, what is the total value of other financial products held by your familyUnit:
[D7110 it] Which of the following is the closest approximation of the value
products[Card R6]
1. Under 5,000
7.
2. 5,000-20,000
8.
3. 20,000-50,000
9.
4. 50,000-100,000
10.
5. 100,000-200,000
11.
6. 200,000-500,000
of these other financial

500,000-1,000,000
1,00,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
10,000,000
Note to Interview: financial products, here includes financial products of banks

and brokers, asset management, trusts, etc.
[D7111a] Did your family take a loan or borrow money to purchase these financial products?
57
2 Noskip to[D7112]
1 Yes
[D7111b] How much money do you still owe?
[D7112] Last year, what was your familys after-tax income from these financial productsUnit:
RMB
[D7112it] By your estimation which following range does the income received from these financial
products fall into? [Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
[D7112a] Why didnt your family purchase [CAPI load options not chosen in [D4101a]other
than 5]Can Choose Multiple[CardB32]
1Too risky
7Lack of relevant knowledge
2Return is too low
8Afraid of being cheated
3Term is too long
4Minimum subscription amount is too high
10Limited financial resource
5Dont know how to buy
11Other reasonsPlease Specify
6Cumbersome procedures
(IIX)
Non-RMB Denominated Assets
[D8101] Does your family hold any non-rmb assetsFor example foreign currency deposits, foreign
currency cash, B/H shares, etc.
1. Yes
2. Noskip to[D9101]
[D8102] What forms of non-rmb assets are theseCan Choose Multiple[CardB42]
1. Foreign currency deposits
6. Non-bank forex products
2. Foreign notes/foreign currency
7. Foreign stocks/ bonds
3. B shares
4. H shares
5. Bank Forex products
[CAPI]circle assets [D8102]selected
[D8104] Currentlywhat is [CAPI load asset name D8102 selected] approximately worth?
58
Method of Inquiry]
Please list the RMB equivalentsIf respondent doesnt know or is unwilling to answer
then ask[D8104a it]
[D8104 it] Which of the following ranges does [CAPI load the name of the selected assets in
D8102] fall in[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
[D8104a] In what Unit?
1. RMB
2. USD
3. HK Dollar
4. Euro
5. Yen
Note to Interview: This question refers to the respondents familys after-tax income
from all non-financial RMB denominated assets.
[D8105a] Did you take loans or borrow money to buy non-RMB assets?
2 Noskip to[D8106]
1 Yes
[D8106] Last year, what was your familys after tax income from these non-rmb denominated
assetsUnit: RMB
[D8106it] Which of the following ranges does the after tax income from
falls in? [Card R5]
1. Under 5,000
7.
2. 5,000-20,000
8.
3. 20,000-50,000
9.
4. 50,000-100,000
10.
5. 100,000-200,000
11.
6. 200,000-500,000
non-rmb denominated assets

500,000-1,000,000
1,00,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
10,000,000
(IX) Gold
[D9101] Does your family own gold? Including paper gold, physical gold, but does not include gold
59
jewelry.
1. Yes
2. Noskip to[K1101]
[D9102] How much did your family spend in purchasing gold? [Method of Inquiry]
(Convert to RMB equivalentIf respondent doesnt know, please mark -9)
[D9103] At the current market price, how much is your familys gold worth[Method of Inquiry]
(Please record RMB equivalentIf respondent doesnt know or is unwilling to answer then
ask[D9103 it])
[D9103 it] Which of the following ranges does the market value of your familys gold falls
into?[Card R5]
1.
2.
3.
4.
5.
6.
Under 5,000
5,000-20,000
20,000-50,000
50,000-100,000
100,000-200,000
200,000-500,000\
7.
8.
9.
10.
11.
500,000-1,000,000
1,00,000-2,000,000
2,000,000-5,000,000
5,000,000-10,000,000
10,000,000
[D9105] Last year, how much after tax income did your family receive from their purchase of gold?
Unit: RMB
(If respondent doesnt know or is unwilling to answer then ask[D9105it]or if there has
been no repayment period agreed upon then mark 999)
[D9105it] By your estimation what is was your familys after-tax income received from gold last
year? Which of the following is closest to approximation of your familys after-tax income received
from gold[Card R5]
1. Under 5,000
7. 500,000-1,000,000
2. 5,000-20,000
8. 1,00,000-2,000,000
3. 20,000-50,000
9. 2,000,000-5,000,000
4. 50,000-100,000
10. 5,000,000-10,000,000
5. 100,000-200,000
11. 10,000,000
6. 200,000-500,000
(X) Cash
[K1101] How much cash does your family have currentlyUnit: RMB
(If respondent doesnt know or is unwilling to answer then ask[K1101 it])
[K1101 it] Which of the following ranges is closest to the cash your family owns[Card R7]
1. Under 2,000
2. 2,000-5,000
60
3. 5,000-20,000
4. 20,000-50,000
5. 50,000-100,000
6. 100,000-500,000
7. Over 500,000
(XI) Lending
Note to Interview: Other people is defined as organizations or people outside of
your family.
[K2101] Currently, does your family have loans given to other people? Here other people refer to
those outside the family.
1 Yes
2 Noskip to[E1001]
[K2102a] What is the total amount your family lends out?
Next, we would like to ask about the largest loan your family has given out.
[K2102b] The loan repayment period is ____years.
[K2103] Who was this loan given too[CardB44]
1 Parents
2 Children
3 Brothers and Sisters
4 Other relatives
5 Friend/Colleague
6 Informal
financial
organizations
[K2105] What is the interest rate?

[K2106] Do you worry about not being paid back?
1. Yes
2No
[K2106a] how long do you expect to get paid back of the loan?
(Unit: Months)
[K2107] Last year, how much of the loan was repaidUnit: RMB
if respondent doesnt know, then mark-9if no interest, mark 0
[K2108] Last year how much interest income did your family receive from the loanUnit: RMB
If none, then record zero.
61
(3) Other Liabilities

DisplayNext, we would like to gain an understanding of your familys other liabilities, let us begin
with student loans.
(I) Education Loans

[E1001] So far, have your family members taken out any education loans?
1 Yes
2 Noskip to[E1020]
[E1005] How many
[E1006] The [CAPIloadE1005] still has how much to be repaidUnit:10,000 RMB
[E1007] Last year how much interest was paid on the [CAPIloadE1005] education loanUnit:
RMB
If E1005>1displayNow we would like to ask about your familys
education loan?
[E1008] When was this education loan taken out?
largest
[E1009] Is this loan a National Education Loan or a Commercial Education Loan?

1. National Education Loan
2. Commercial Education Loan
[E1010] Which bank was this loan taken from? [CAPI] Display bank list
[E1011] What is this loan used for?[CardB46]
1. Tuition and fees
2. Housing
3. Living Expenses
62
4.
5.
6.
1 and 2
1, 2 and 3
Study abroad expenses
Note to Interview: The five previous expense options are for those costs incurred by
those educated domestically, if the respondent said they used the loan to pay for their
study abroad then record the sixth option.
[E1012] What was the total amount of education loans takenUnit: RMB
Note to Interview: If the loan is divided into batch payments, please record the total
amount of all batches, for example if four years of undergraduate study required a
loan of 240,000 RMB but each payment is 6,000 RMB, please record 240,000 as the
loan amount.
[E1013] How long is the term for the education loan
[E1014] What is the interest rate on this education loanUnit: %
Other Financing
[E1020] Currently, in addition to bank loans, has your family borrowed money from other people or
organizations for your childrens education?
1. Yes
2. Noskip to[E2001]
Note to Interview: Here other people or organizations refer to individuals and
non-bank institutions. Also if the respondent has borrowed from friends and relatives,
they are also classified as others.
[E1021] What was the total amount borrowedUnit: RMB
[E1022] How much is still owed on this/these loan(s)Unit: RMB
[E1023] Do you have to pay interest on these loans?
1 Yes
2 Noskip to[E2001]
63
[E1024] What was the total amount of interest paid on these loans last year? Unit: RMB
DisplayNext we would like to learn about your familys credit card situation.
(II) Credit Cards

[E2001] When you and your family shop, what is your typical method of payment? Can Choose
Multiple[Card B49]
1. Cash
5. Shopping Cards
2. Debit Card
6. Third Party Payments (e.g., Alipay)
3. Credit Card skip to[E2003]
4. Quasi-Credit Card
[E2002] Does your family have any credit card? Inactivated cards dont count.
1. Yes
2. Noskip to[E2016]
[E2003] Who in your family does regularly use credit card? If there are Primary and secondary cards,
only count the primary holder. (Choose up to 2)[Card A1]
1. Respondent
2. Spouse or Partner
3. Parents
4. Parents in law
5. Grandparents
6. Children
7. Children in law
8. Grandchildren
9. Grandchildren in law
10. Brothers and sisters
11. OthersPlease Specify
[E2004] Why does your family use credit cardCan Choose Multiple[CardB50]
1. Convenient for daily life, such as traveling, business trip, going abroad
2. Take advantage of the interest-free credit
3. Advance consumption
4. Overdraft
[E2005] How does your family normally pay for credit card debts[CardB51]
1. Pay the minimum amount
2. Pay the full balance upon the due date
64
3.
4.
Pay before the due date

Defer Repayment
5.
6.
Having stopped paying

Other
Note to Interview:[CAPI Note] Ask family members chosen in E2003 the following
questions. If these family members have more than one credit card, then ask for a
summary of their cards information.
***************************
#1Corresponding to the first person
#2Corresponding to the second period
***************************
Credit Card Info
Select Family Member Code
[E2009]
[CAPI load result selected in E2003]when was this card signed up for
Please record 4 digitsIf respondent doesnt know, please mark -9if more than one
card then ask about the most frequently used card
[E2009a]
Your[CAPI load result selected in E2003]is from which bankIf you

have more than one then ask about the most frequently used card
[E2010]
Why did you select this banks credit cardCan Choose Multiple
[CardB52]
1. Door to door sale with nice sign-up gifts
2. Recommended by friend
3. Good online service
4. Reasonable fees
5. Shopping discounts, etc
6. Many bank outlets, convenient locations
7. Long Interest-free period, many reward points
8. High credit line
9. Large overdraft capability and cash advances
10. Easy payments
OtherPlease
Specify
Whats this11.
credit
cards limit?Unit:
RMB
[E2011]
[E2013]
[E2014]
[E2015]
01
02

Did you ever take cash advances from this credit card
1. Yes
2. No
How much did you spend using this card last month?Unit: RMB
How much is owed to the bank on this card
If respondent doesnt know, please mark -9 If you have asked of all credit
cards then skip to[E3001]
65
[E2016] Why dont you have a credit card[CardB53]

1. Prefer cash payment
skip to[E3001]
2. Not knowledgeable about credit card
skip to[E3001]
3. Insufficient ability to repay

skip to[E3001]
4. Would like to use, but was rejected
[E2017] In total how many times has your family applied for credit cards?
[E2018] What do you think the banks main reason for rejecting credit card application[CardB54]
1. No stable or sufficient
5. Nature of work unit
income
7. Not sure
3. No credit history
4. Insufficient household
assets
(III) Other
[E3001] In addition to the previously mentioned housing, automotive, commercial, educational, and
credit card financing, has your family taken out any other loans?
1. Yes
2. Noskip to[F1001]
Note to Interview: the aforementioned liabilities, including housing debt, auto debt,
commercial debt, educational debt and credit card debt, the interviewer should
classify accounts payable like charge sales as other liability.
[E3003] What is the cause of these liabilitiesCan Choose Multiple[CardB55]
1. Small-amount daily consumption
8. Pay back previous debts
2. Large consumption of Durable Good
9. Lend to friends or relatives
3. Sons marriage
10. Lend to others
4. Daughters marriage
11. Lend money through informal financial institutions
5. Funeral
6. Medical expenses
7. Relocation for work
[E3004] Who did provide these liabilitiesCan Choose Multiple[CardB56]
1. Bank/Credit union
6. Finance company
2. Pawnshop
7. Trust company
3. Loan company
8. Other financial institutions
4. Consumer finance company
9. Close relatives
5. Guarantee company
10. Distant relatives
66
11. Friends/ Colleagues

12. Informal financial organizations
(Dont Know, mark -9)
[E3005] Why did you select this institution or person to borrow fromCan Choose Multiple
[CardB57]
1. Low interest rate
5. Good personal relationship
2. Low fees
6. Do other business with them
3. Simple procedure
7. No other choices
4. Low threshold
8. Other reasonsPlease Specify
[E3006] What is the total amount of these loans? Unit: RMB[Method of Inquiry]
[E3007] Last year how much interest did your family pay? Unit: RMB
If respondent doesnt know, please mark -9if this is a no interest loanplease mark 0
[E3008] How much money does your family still owe on these loansUnit: RMB
67
(I)
Social Security, Insurance and Annuity
Note to Interview: Only ask family members who are over 21, either working or retired. In accordance with the survey loaded family members who
are eligible and ask in turn. Here social security does not include commercial pensions.
Family member code[CAPI load name]of working or retired family
members.
[F1001]
Does[CAPI LOAD NAME] withdraw retirement salary,

or social security?
1. Social Security
2. Retirement payrollskip to[F1019]
3. Noneskip to[F1026]
[F1002]
Which type of social security

NAME]participate in?
1. Basic Social Security
2. New Rural Social Security
[F1003]
Has[CAPI load [F1002] option name]begun to receive

benefits
1. Yes
2. NoIf [F1002]=1then skip to[F1007]if [F1002]=2
thenskip to[F1014]
[F1004]
What year did it start?
[F1005]
How much did you receive from social security last

month Unit: RMB
(If respondent doesnt know or is unwilling to answer
then ask[F1005it])
skip to[F1026]
68
does[CAPI LOAD
01
02
03
04
05
06
07
08
[F1005it]
The amount of social security received last month falls

into which of the following ranges? [Card R8]
1. Under 800
2800-1500
31500-3000
43000-5000
55000-10,000
610,000-20,000
720,000-50,000
8Over 50,000
skip to[F1026]
[F1007]
Who pays the premium?

1. Respondent and employer both
2. Respondent pays all
3. Employer pays all skip to[F1010]
[F1008]
Last month how much did you pay?Unit: RMB
[F1010]
What is the balance of your personal social security

accountUnit: RMB
If respondent doesnt know or is unwilling to answer
then ask[F1010 it]
69
[F1010 it]
The balance of your personal social security account falls

into which of the following ranges[Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000- 500,000
8. Over 500,000
[F1011]
Has your social security payment ever been interrupted?

1. Yes
2. Noskip to[F1026]
[F1012]
What was the reason for the interruption[CardC2]

1. Employer stopped payment
2. Job Changes/ Resignation
3. No money to pay
4. Further payment is not cost efficient
5. Has paid for 15 years
6. Govt subsidy is too little
[F1013]
How many months was it interrupted?

skip to[F1026]
[F1014]
In what year did you start to participate in

new rural social security?
70
[F1015]
Last year, was your new rural social security payments

interrupted?
1. Interruptedskip to[F1018]
2. Not interruptedskip to[F1016]
3. Paid once
[F1016a]
How much is the one-time paymentUnit: RMB

skip
to[F1026]
[F1016]
Last year how much was paid for the new rural social
securityUnit: RMB
[F1017]
Last year how much was the government

subsidyUnit: RMB
skip to[F1026]
[F1018]
What was the reason for the interruption of payments

[CardC3]
1. No money to pay
2. Think paying again isnt worth it not on time
3. Government subsidy is too little
4. Cumbersome procedures
5. Payment is
skip to[F1026]
71
[F1018ait]
The balance of your new rural insurance account falls into

which of the following ranges[Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000- 500,000
8. Over 500,000
[F1019]
Have you started to receive retirement pay yet?

1. Yes
2.Noskip to[F1026]
[F1020]
What is your retirement status?

1Retirement emeritus (lixiu)
2Normal retirement(tuixiu)skip to[F1023]
[F1021]
In which year did you retire?
[F1022]
How much was last months retirement paymentUnit:

then ask[F1022it])
skip to[F1026]
[F1022it]
The payment you received last month falls into which of

the following ranges [Card R8]
1. Under 3,000
2. 3,000-5,000
3. 5,000-10,000
4. 10,000-20,000
5. 20,000-50,000
6. Over 50,000
72
[F1023]
What type of retirement is this[CardC4]

1 Formal retirement
2 Early retirement
3 Internal retirement followed by formal retirement
4 Internal retirementbut is not officially retired
5 Off-duty
6 Other
[F1024]
In what year did you retire?
[F1025]
What amount of retirement benefits did you receive last

monthUnit: RMB[Method of Inquiry]
(If respondent doesnt know or is unwilling to
answer then ask[F1025it]otherwise skip toF1026)
[F1025it]
The money received in retirement benefits last month falls

into which of the following ranges? [Card R8]
1. Under 800
2. 800-1500
3. 1500-3000
4. 3000-5000
5. 5000-10,000
6. 10,000-20,000
7. Above 20,000
[F1026]
Do you have a corporate annuity?

1. Yes
2. Noskip to[F1032]
[F1027]
Have you already begun receiving the annuity payments?

1. Yes
2. Noskip to[F1029]
73
[F1028]
How much was received from the annuity

last month[Method of Inquiry]
skip to[F1032]
[F1029]
Last month how much did you contribute to the annuity?

Unit: RMB
[F1030]
Last month how much did your work unit contribute to

the annuity?Unit: RMB
[F1031]
Currently how much is the balance of your annuity fund

Unit: RMB
If respondent doesnt know or is unwilling to answer
then ask[F1031 it]
[F1031 it]
The current balance of your corporate annuity account

falls into which of the following ranges[Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000- 500,000
8. Over 500,000
74
[F1032]
Currently what is the most important financial source for

your life after retirement? CardC5] (Only ask family
members over 40)
1. Support from children
2.Savings, investment
3.Social security
4.Retirement/emeritus pay
5.Commercial Insurance
6.Support from spouse or relatives
7.OtherPlease Specify
(II) Medical Insurance

Note to Interview: [F2001]- [F2009] ask all family members about their current health insurance situation. Here health insurance refers to Social Health
Insurance and does not include commercial health insurance.
[F2001]
Do you currently have social health insurance? This does

not include commercial health insurance.
1 Yesskip to[F2003]
2No
[F2002]
Why dont you have health insurance?

Can Choose Multiple[CardC6]
1Premiums too high, cannot afford
2 Good health, not necessary
3 Not offered by the work unit
4 Low reimbursement ratio
5 Narrow Coverageskip to[F2019]
6 Reimbursement procedure is cumbersome
7 Have other forms of support
75
[F2003]
What form of medical insurance is currently most important

to you[CardC7]
1 Government covered medical services
2Reimbursement from work unit
3 Urban employee medical insurance
4 Urban resident medical insurance
5 New rural cooperative medical insurance
6 Student Health Insurance
7 Coordination for serious medical diseases
8 Medical Aid
9Special insurance for the spouses (or widows) of Red
army soldiers and revolutionary cadres
10OtherPlease Specify
[F2004]
What was the total amount of premium paid last year

Unit: RMB
[F2005]
Does the medical insurance have a personal account?

1Yes
2. No(skip to[F1029])
[F2006]
What is the balance of that accountUnit: RMB[Method

of Inquiry]
then ask[F2006 it])
76
[F2006 it]
The balance of the health insurance account is probably in

which of the following ranges?[Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000- 500,000
8. Over 500,000
[F2019]
Last month, how much was all medical expenses in total?

(not including healthcare expenses)Unit: RMB[Method
of Inquiry]
If [F2001]=2skip to[F2021]
[F2020]
How much of the above medical expenses is paid by

medical insuranceUnit: RMB
[F2021]
Compared with the peer group how is [CAPI LOAD

NAME]s physical condition
1.Very Good
2.Good
3. Normal
4.Bad
5.Very Poor
(III) Unemployment Insurance

Note to Interview[F3001]- [F3005] Only ask the situation of unemployment insurance of family members who are adults (over 16) and in employment.
77
[F3001]
Does[CAPI LOAD
insurance
1. Yes
NAME]have
an
unemployment
2. No
[F3002]
Did you lose your job last year?

1. Yes
2. Noskip to[F4001]
[F3003]
Did you register as unemployed with the civil affairs

department
1. Yes
2. No
[F3004]
Did you receive unemployment insurance payments last

year?
1Yes
2Noskip to[F4001]
[F3005]
Las year what was the total amount of unemployment

insurance receivedUnit: RMB[Method of Inquiry]
(IV) Housing Fund

Note to Interview:[F4001]- [F4011] ask all non-retired respondents about their housing funds.
[F4001]
Does[CAPI LOAD NAME] have housing provident

fund
1. Yes
2. Noskip to[F6001]
[F4004]
Are you still paying to this fund

1 Yes
2 Noskip to[F4007]
78
[F4005]
Last year what was the average monthly contribution to the

fund Unit: RMB
answer then ask[F4005it])
[F4005it]
Last year the average monthly payment fell

approximately into which of the following
ranges? [Card R10]
1. Under 500
2. 500-1000
3. 1000-1500
4. 1500-2000
5. 2000-3000
6. Over 3000
[F4007]
How long have you contributed to the fund(Unit: Month)

(if over a year, please record in months)
[F4008]
What is the balance of the housing fund account?

Unit: RMB[Method of Inquiry]
(If respondent doesnt know or is unwilling to answer then
ask[F4008 it])
79
[F4008it]
The balance of housing fund falls into which of the

following ranges?[Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000- 500,000
8. Over 500,000
[F4009]
Last year, did your family use your/his/her housing fund?

1 Yes
2 Noskip to[F6001]
[F4010]
For what reason was the housing fund used?[CardC14]

1 Purchase housing
2 Housing construction, repair and renovation
3 Payment of home mortgage (interest, principal)
4 Pay rent
5 Retirement
6 Termination of labor relations
7 Invest in stocks, etc
8 Emigrate
[F4011]
Last year what was the total amount taken from the housing
fundUnit: RMB
answer then ask[F4011it])
80
[F4011it]
Last year the total amount taken from the housing fund was
in which of the following ranges? [Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000- 500,000
8. Over 500,000
2. Commercial Insurance
Note to Interview: Ask all family members about their commercial insurance status.
Display: Below, we would like to learn about your familys use of commercial insurance.
[F6001]
Does[CAPI LOAD NAME]have any of the following

commercial insurances[CardC15]
1. Commercial Life Insuranceskip to[F6101]
2. Commercial Health Insuranceskip to[F6201]
3. Commercial Pension Insuranceskip to[F6301]
4. Commercial Property Insurance excluding car
insurance
skip to[F6401]
5. Other Commercial Insuranceskip to[F6501]
6. Noneskip to[G1001]
Interviewer Note: If the respondent chose more than
one, then ask about the forms of insurance separately.
81
(I) Commercial Life Insurance

[F6101]
Who bought life insurance for[CAPI LOAD NAME]?

1. His/Herself
2. Family
3.Work Unit
[F6102]
Who are the beneficiaries [CardC16]

1. Respondent
2. Spouse
3. Father/Mother
4. Son/Daughter
5.Brothers and sister?
Can Choose Multiple
6.Grandson/granddaughter
7.Parents/parents-in-law
8. Son-in-law/Daughter-in-law
relatives
What9. isOther
the total
coverage of the insurance?
10.
Not
set
Unit: RMB
What type of insurance? [CardC17]
1. Life Insurance
2. Death Insurance
3. Endowment insurance
4. Dividend insurance
5. Equity-linked insurance
6. Universal Life Insurance
7. Accidental Injury Insurance
8. Health Insurance
Does
this kind ofSpecify
insurance pay dividends
9. OtherPlease
1. Yes
2. Noskip to[F6107]
[F6103]
[F6104]
[F6105]
82
[F6106]
[F6107]
Last year how much dividends were received

from this policy Unit: RMB
Does this insurance return the principal
1.
Yes
2.Noskip to[F6109]
1
[F6108]
2
Last
year what amount of the principal was
returnedUnit: RMB
[F6109]
How frequently is the payment

1. Monthly
2. Twice a year
3. Quarterly
4. Yearly
5. One time paymentskip to[F6118]
6. Other
[F6110]
In the last five years, what was the average premium

payment?Unit: RMB
Note to Interview: In the case that payments havent
been made for five years, calculate the average based
upon the time since insurance has been in effect.
[F6111]
How many years is an insurance premium payment

required?
[F6112]
How many months has it been paid for?
[F6118]
Last year did [CAPI LOAD NAME]receive a commercial

life insurance payment?
1. Yes
2. Noreturn to[F6001]
[F6119]
How much was the payment?Return to [F6001]
83
(II) Commercial Health Insurance

[F6201]
Who bought[CAPI LOAD NAME]s commercial health

insurance
1. Self
2.Family 3. Work Unit
[F6202]
What type of commercial health insuranceCan Choose

Multiple[CardC19]
1. Critical Illness Insurance
2. Medical insurance
3. Income protection insurance
4. Long-term care insurance
5. Other
[F6203]
Last year what was the total number of premiums paid

Unit:
RMB
Last year
what was the total amount of reimbursement
Unit: RMBreturn to [F6001]
[F6204]
(III) Commercial Pension Insurance

[F6301]
[F6302]
[F6303]
[F6304]
Who purchased commercial pension insurance for[CAPI

LOAD NAME]
1 His/herself
2 Family
3 Work Unit
Last year how much was paid in insurance premiums?
What was the total number of premiums paid last year
Unit:
RMB
Last
year,
what was the total reimbursement amount
from health insurance? Unit: RMB
84
[F6305]
Does this insurance pay dividends?

1. Yes
2.Noskip to[F6307]
[F6306]
Last year how much

payment
[F6307]
Have you started to receive pension insurance

1. Yes
2. Noreturn to[F6001]
[F6308]
Last month, what was the amount of pension payments

received return to[F6001]
dividends were received from this
(IV) Commercial Property Insurance

[F6401]
Other than car insurance, what is the total amount of

commercial property of your family covered by insurance?
Unit: RMB
[F6402]
What is covered under this insurance Can Choose

Multiple[CardC20]
1. Housing
2. Durables
3. Machineries
4. Livestock
5.Farm produce.
6. Intangible Assets
[F6403]
Last year what was the total amount of premium paid by your
family?Unit: RMB
85
[F6404]
Does this insurance pay dividends?

1. Yes
2. Noskip to[F6406]
[F6405]
Last year how much did your family receive in dividends?
[F6406]
Last year how much did your insurance pay out to your
family Unit: RMBreturn to[F6001]
(V) Other Commercial Insurance

[F6501]
What are the types of commercial insurance you own?
[F6502]
Last year, how much did your family pay in insurance

premiums?Unit: RMB
[F6503]
Last year how much money did your insurance pay out to
your family? Unit: RMB
86
Part 4: Income and Expenditure

I. Consumer Spending
DisplayNext we would like to learn about your familys expenditure, let us start the last months
expenditure
[G1001] Last month how much did your family spend on food, including meals eaten outside ( Unit:
RMB)
[G1002] How much did your family spend for eating out? Unit: RMB
if the respondent doesnt knowfill -9not willing to respondmark-7
[G1003]Does your family produce any agricultural product?
1Yes
2. Noskip to[G1005]
[1004]If you sell the agricultural products produced and consumed by your family on the market,
how much would that beUnit: RMB
[1005]Does your family produce any agricultural product?
1. Yes
2. Noskip to[G1005]
[1006]If you sell the agricultural products produced and consumed by your family on the market,
how much would that beUnit: RMB
[1007]Last month, how much did you family spend on water, electricity, fuel, property management
fees, and maintenance costs? Unit: RMB
If the respondent doesnt knowmark-9not willing to answermark-7
Note to Interview: Daily necessities (such as detergent, soap, toothpaste, toothbrushes and
other toiletries, etc) do not include food or clothing.
[G1003] Last month how much did your family spend on daily necessities? These include items
such as detergent and soap but do not include food or clothing. Unit: RMB
If dont know, mark-9; not willing to answer, mark 7
[G1004] Last month how much did your family spend on nannies, hourly workers, drivers and other
household servicesUnit: RMB
Interviewer Note: Here transportation cost only include local transportation costs but
does not include that of traveling..
[G1008] How much did your family spend last month on local transportationUnit: RMB
87
[G1009] Last month how much did your family spend on communication expenses such as
telephone and internet feesUnit: RMB
Note to Interview: The following entertainment expenditures do not include playing cards, mahjong
or other gambling related expenses.
[G1010] Last month how much did your family spent on newspapers, magazines, CDs, movie and
show tickets, night clubs, cybercaf, and other education or entertainment related activities?
Unit: RMB
DisplayThe questions below refer to your familys consumption expenditures last year
[G1011] Last year how much did you spend on your own clothesUnit: RMB
[G1011a] Last year how much did your spouse spend on his/her clothingUnit: RMB
[G1011b] Last year how much did your kids spend on their clothingUnit: RMB
[G1012] Last year how much did your family spend on housing decoration, maintenance or
expansionUnit: RMB
[G1013] Last year how much did your family spend on heatingUnit: RMB
[G1014] Last year how much did your family spend on color television sets, refrigerators, washing
machines and other household durablesUnit: RMB
(If respondent doesnt know or is unwilling to answer then ask[G1014it])
[G1014it] By your estimation which of the following ranges did the amount your family spent on durables fall in
last year? [Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000-500,000
8. Over 500,000
[G1015] Last year how much did your family spend buying luxury goods such as designer handbags
or calligraphy/art and so on.?Unit: RMB
[G1015it] By your estimation which of the following ranges does the amount your family spend on the luxury
88
goods fall into? [Card R9]

1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000-500,000
8. Over 500,000
[G1016] Last year how much did your family spend on education and trainingUnit: RMB
If A2012a=1 and A3001=1 ask G1016aotherwise skip toG1017
[G1016a] How much of this amount was spent on study abroadUnit: RMB
[G1017] Last year how much did your family spend on purchasing cars, motorcycles, electromobiles
and other means of transportation Unit: 10,000 RMB
[G1017it] Which of the following ranges did the amount of money your family spend on cars, motorcycles,
electomobiles and other means of transportation last year fall into?[Card R4]
_1. Under 20,000
5. 200,000-500,000
2. 20,000-50,000
6. 500,000-1,000,000
3. 50,000-100,000
7. Over 1,000,000
4. 100,000-200,000
Note to Interview: Travel expenses include transportation, touring tickets and accommodation and
other fees incurred when traveling at ones own expense.
[G1018] Last year what was your familys total expenses on travelling and visiting relativesUnit:
RMB
[G1018it]Which of the following ranges is closest to your expenses on travelling and visiting
relatives?[Card R9]
_1. Under 20,000
5. 200,000-500,000
2. 20,000-50,000
6. 500,000-1,000,000
3. 50,000-100,000
7. Over 1,000,000
4. 100,000-200,000
[G1019] Last year how much did your family spend on health care, which does not include medical
treatment expenses.Unit: RMB
89
(II) Transfer Expenditure

Note to Interview: DisplayNext we would like to gain an understanding of your familys transfer
expenditure. Here your family refers to the aforementioned family members, while non-family
members refers to any persons outside your family unit or organizations with the exception of
government.
Note to Interview: Cash assistance refers to direct transfers of cash, assistance of payment, money
used for medical service/ insurance/school fees, payment by installments, holiday gifts/ birthday gifts
/ money given to children as a lunar New Year gift and so on. Non-cash refers to in-kind
assistance and expenditures aimed at helping alleviate the burden of housing or food needs.
[G2001] Last year, did your family give more than 100 RMB in cash or cash equivalents to non family
members
1. Yes
2. Noskip to[G3001]
[G2002] Whom is it given to?Can Choose Multiple[Card D1]
1. Parents
2. Parents in-law
3. Children
4. Children in-law
5. Grandchildren
6. Grandchildren in-law
7. Brother/Sister
8. Other Relatives
9. Non-relatives
10. Institution
How do the cash and cash equivalents given to non-family members distribute to the following listed
items, if a cash equivalent was given then list its cash value.
[G2004a]Spring festival, Mid-Autumn Festival and other holiday expenses (including money given to
children as a lunar New Year gift)
[G2004b]Weddings and Funerals (birthday money) ________RMB
[G2004c]Education, medical service, living expenses _______ RMB
[G2004d]Others In addition to the above list _______ RMB
(III) Other Expenses

Note to Interview: The aforementioned expenditures include consumption expenditure (this section),
property expenses (part II: assets), operations expenditure (part II: agricultural, industrial and
commercial section), social security expenditure (part III: insurance and security), and transfer
expenditure (this part).
[G3001] In addition to the above expenditures, were there any expenses incurred last year that were not mentioned?
90
This includes expenses caused by unforeseen incidents or playing cards, mahjong and other forms of
expenses.
1. Yes
2. Noskip to[H1001]
[G3003 ]How much were theyUnit: RMB
If you dont knowthen mark -9not willing to answer mark-7
(IV) Transfer Income

Note to Interview: DisplayNext we would like to gain a better understanding of your familys
transfer income situation, here your family refers to the aforementioned family members, while
non-family members refers to people outside your family and organizations, except for the
government.
Note to Interview: Cash assistance refers to direct transfers of cash, assistance of payment, money
used for medical service/ insurance/school fees, and payment by installments / holiday
gifts/birthday gifts/ money given to children as a lunar New Year gift and so on, except for in-kind
assistance and expenditures aimed at helping alleviate the burden of housing or food needs.
[H1001] Did your family receive a gift of more than 100 RMB in cash or in-kind from persons outside your family
last year?
1. Yes
2. No(skip to[H2001])
[H1002] Who was this gift given byCan Choose Multiple[Card D1]
1. Parents
2. Parents in law
7. Brother/Sister
3. Children
8. Other Relatives
4. Children in law
9. Non-relatives
10. Institution
How does the cash and in-kind gifts received by your family distribute to the following listed items? ( If
non-cash, please convert to its cash equivalent).
[H1004a] Spring festival, Mid-Autumn Festival and other holiday expenses (including money given to
children as a lunar New Year gift)
[H1004b] Weddings and funerals (including births)_______ RMB
[H1004c]Education, medical service and living expense assistance_______ RMB
[H1004d]Inheritance______ RMB
[H1004e]In addition to the above list other forms of transfer incomePlease Specify________ RMB
91
Note to Interview: Here government subsidies do not include the previously mentioned subsidies
for agricultural production and operations.
[H2001] Last year, did your family receive any of the following subsidies or government grants? Subsidies here
do not include those previously mentioned agricultural subsidies. (Can Choose Multiple)[Card D5]
6. Relief funds
1. Not Recievedskip to[H2003]
2. Welfare Grant
7. Food subsidies
3. One-Child Incentives
8. Afforestation Grant
4. Five guarantee grants
5. Pensions
CAPIload [H2001] selected options
[H2002] Last year[CAPI load type] how much did you receive
(V) Other Income

Note to Interview: The following questions require the interviewer to help respondents recall all of
the aforementioned types of income, this includes wage and salary income (first part: work
information), property income (part II: assets), operating income (part II: agricultural industrial
and commercial section), transfer income (part III: insurance and this part).
[H2003] In addition to the income listed above, has your family received income in any of the following ways
[Card D6]
1. None (skip to[H3001a])
5. Sale of intellectual property
2. Lottery
6. Termination indemnity
3. Sale of a house
7. Playing cards, mahjong
4. Sale of a car
8. Other(Please Specify)
Note to Interview: If in installments, just record last years earnings
[H2004] Last year, what was [CAPI load [H2003] select options ] income
(If respondent doesnt know or is unwilling to answer then ask[H2004it])
[H2004it] This income was in which of the following ranges? [Card R9]
1. Under 5,000
2. 5,000-10,000
3. 10,000-30,000
4. 30,000-50,000
5. 50,000-100,000
6. 100,000-200,000
7. 200,000-500,000
8. 50,000
Note to Interview: the following question only refers to the sale of homes and cars.
[H2005] How much tax was paid to the sale of [CAPI load [H2003] select options]?
92
(VI) Other
[H3001a] Last year, how did your familys total expenditure compare with a normal year?
1. High
2. Low
3. Even
[H3002] If there was a deficit, by which means did your family make up for itCan Choose
Multiple[Card D10]
1. Use past savings
5.Bank loan
2. Credit card overdraft
6.Sales of Assets
3. On Credit
7. OtherPlease Specify)
4. Borrow from Friends, relatives, or informal finance organizations
[H3003]If there was a surplus, where was the money usedCan Choose Multiple[Card D11]
1. Housing
5. Save for education (kids)
2. Purchase of financial assets
6. Save for marriage(kids)
3. Industrial investment
7. Buy durables
4. Preparation for retirement
8.OtherPlease Specify
[H3004] Last year, was your familys income high or low if compared with a normal year?
1. Higher
3. Evenskip to[H3007]
2. Lowerskip to[H3006]
[H3005] Why was it higherCan Choose Multiple[Card D7]
1. Investment Income
increased
2. Sale of Assets
3. Business Income
increased
4. Increased Wages
/Promotion/New Job
5. More working hours, overtime pay, 2nd job
6. Started to work
7. Pension Buyout
skip to[H3007]
[H3006] Why was it lowerCan Choose Multiple[Card D8]
1. Investment income decreased
2. Business revenue declined
3. Lower wages/ demotion/job change
93
8. Unconventional Subsidies from employer

9. Housing allowance increased
10. Changes in family
structure/divorce
11. Social security/pension
increased
12. Received a scholarship
13. Inheritance/gift/donation
4. Less work hours, laid off, unemployed

5. Stopped working/start school/had kids/retired/ other
6. Sick, disabled
7. Changes in family structure/ divorce

8. Donations/contributions
9. Legal fees
10. Reduced pension/social
security/ assistance
[H3007]In the last five years, has your familys income level grown higher or lower than price
increases?
1. Higher
3. Even
2. Lower
[H3008]In the last five years, has your familys expenditure level grown higher or lower than price
increases?
1.Higher
3.Even
2.Lower
End of the questionnaire
94
Interviewer Summary
Note to Interview: After the visit, please fill in this part of the survey with your own information.
[J2000] When you visited the main respondents, was there a proxy answering on their behalf
1. Yes
2. Noskip to[J2001]
[J2000a]What was this persons relationship to the respondent

1. Spouse or partner
6. daughter-in-law/Son-in-law
2. Parents
3. Wifes parents/husbands parents
4. Grandparents
9. Brothers and Sisters
5. Children
10. Other
[J2001] When you visited the main respondents, in addition to the proxy, was there anybody else presentCan
Choose Multiple
1. No one else (skip to[J2003] )
4. Respondents children
2. Respondents spouse
5. Other relatives
3. Respondents parents
6. Other people present
[J2002] During the survey did these people interrupt?
1.Yes, frequently
3.No
2.Yes, occasionally
[J2003] How receptive were the respondents when answering the questionnaire?
1. Very receptive (skip to[J2005] )
2. Receptive
(skip to[J2005] )
3. So so
(skip to[J2005] )
4. Not very receptive
5. Receptive at the beginning, less in the end

6. Not very receptive at the beginning, but
gradually became more receptive
(skip to[J2005] )
[J2004] Why were the respondents reluctant to answer the questionnaire?Can Choose Multiple
1. No interest
3. Other(Please Specify)_
2. Respondent lost focus, tired

____
[J2005] When respondents were answering the questions did they need you to explain
1. Not needed at all
4. Frequently needed
2. Mostly not needed
5. Very frequently needed
3. Occasionally needed
6. Constantly needed
[J2006] In general do you think the respondent understood these topics
95
1. No, did not understand at all

2. Understood very little
3. Occasionally understood
4. Understood most
5. Understood almost all
6. Understood everything
Note to InterviewPlease score 1-10 points 1 is not as fluent as 10
[J2007] respondents Mandarin level
Note to Interview: Please score 1-10 point, 1 is poor, 10 is good

[J2008] respondents appearance
96

CHFS Questionnaire

Caricato da

Informazioni sul documento

Copyright

Formati disponibili

Condividi questo documento

Condividi o incorpora il documento

Opzioni di condivisione

Hai trovato utile questo documento?

Questo contenuto è inappropriato?

Copyright:

Formati disponibili

CHFS Questionnaire

Caricato da

Copyright:

Formati disponibili

Survey Questionnaire

Survey and Research Center for China Household Finance

The Research Center of Chinese Household Finance Survey

Part 2: Assets and Liabilities ..................................................................... 22

Part 4: Income and Expenditure .............................................................. 87

2. Outskirts of Large City

3. Motorbike or Electric Cart

7. Other (Please specify)

4. Residential building with 1 to8 units

2. Single-family or duplex house Skip to [J1006]

5. Residential building with nine units or

more, but less than 8 floors

[J1006] How much is this building worth approximately

[J1007] Does the surveyed household home face southward?

If [J1001]=1,2,3then ask [J1008]- [J1010]otherwise skip to [J1011]

[J1009] What is the approximate value of a typical car in the neighborhood

[J1010] How much does a parking lot cost in this neighborhood

Part 1: Demographic Characteristics

[A1002]Can this palce be considered as a residence?including business-residential building

If none, mark 0if they dont knowplease mark -9

2. Basic Family Member Information

What is the relationship of [name] to the respondent?

[A2003] [CAPI load name]sex is

[CAPI LOAD NAME]Birth month and year

Which calendar do you use when answering the previous

CAPI automatically filled, interviewer will later confirm

[CAPI Load name]s nationalityOnly ask the respondent

[CAPI LOAD NAME]s ethnicity(Only ask

Twelve Animals and the Corresponding Years

1996: 1984: 1972: 1960: 1948: 1936: 1924: 1912: 1900:

1997: 1985: 1973: 1961: 1949: 1937: 1925: 1913: 1901:

1998: 1986: 1974: 1962: 1950: 1938: 1926: 1914: 1902:

1999: 1987: 1975: 1963: 1951: 1939: 1927: 1915: 1903:

2000: 1988: 1976: 1964: 1952: 1940: 1928: 1916: 1904:

2001: 1989: 1977: 1965: 1953: 1941: 1929: 1917: 1905:

2002: 1990: 1978: 1966: 1954: 1942: 1930: 1918: 1906:

2003: 1991: 1979: 1967: 1955: 1943: 1931: 1919: 1907:

2004: 1992: 1980: 1968: 1956: 1944: 1932: 1920: 1908:

2005: 1993: 1981: 1969: 1957: 1945: 1933: 1921: 1909

2006: 1994: 1982: 1970: 1958: 1946: 1934: 1922: 1910

2007: 1995: 1983: 1971: 1959: 1947: 1935: 1923: 1911

Ifsurvey year- [A2005]is calculated to be under 16

Was the degree acquired abroad

[CAPI LOAD NAME]s political affiliation Only ask

Last year, did[CAPI LOAD NAME]live in this county/city for

Ifsurvey year- [A2005]is calculated to be younger

[CAPI LOAD NAME]has which county/citys residence

[CAPI LOAD NAME]in which year began living in this

Does[CAPI LOAD NAME]have an agricultural residence

Locally, is your /[CAPI load spouses name]s surname

[CAPI LOAD NAME]s marital status [CardA3]

and his/her spouses

[CAPI LOAD NAME]has how many brothers, not including

[CAPI LOAD NAME]has how many sisters, not including

Amongst these brothers and sisters[CAPI LOAD NAME]s

3. Family Members Occupation and Income Information

Main Work Information

Does[CAPI LOAD NAME]have a job now including farming

Why doesnt[CAPI LOAD

For family members older than 16, cycle through [A3002]~[A3042]

At present,[CAPI LOAD NAME]has how many jobs?

What is the nature of the job[Card A5]

Which broad professional category does this job fall into?

Which industry does this job fall