CAPI Survey Questionnaire
Survey and Research Center for China Household Finance
2012
Contents Part 1: Demographic Characteristics ........................................................ 2 (1) Filter Questionnaire ........................................................................................................................................... 2 (2) Basic Family Member Information ................................................................................................................... 4 (3) Family Member’s Occupational Income Information ..................................................................................... 10 (4) Subjective Attitude of Respondent .................................................................................................................. 20
Part 2: Assets and Debts ............................................................................ 21 (1) Non-Financial Assets .................................................................................................................................... 22 (I) Production and Management Projects .................................................................................................... 22 (Ⅱ) Land and Real Estate ........................................................................................................................... 29 (Ⅲ) Vehicles ............................................................................................................................................... 39 (Ⅳ) Other Non-Financial Assets ................................................................................................................. 43 (2) Financial Assets ............................................................................................................................................. 44 (I) Demand Deposits ................................................................................................................................... 44 (II) Time Deposits (Certificates of deposit) ................................................................................................ 45 (III) Stocks .................................................................................................................................................. 46 (IV) Bonds................................................................................................................................................... 49 (V) Fund ..................................................................................................................................................... 51 (VI) Derivatives .......................................................................................................................................... 52 (VII) Financial Products.............................................................................................................................. 54 (IIX) Non-RMB Denomonated Assets ........................................................................................................ 56 (IX) Gold ..................................................................................................................................................... 57 (X) Cash ..................................................................................................................................................... 58 (XI) Lending ............................................................................................................................................... 58 (3) Other Debts.................................................................................................................................................... 60 (I) Student Loans ......................................................................................................................................... 60 (II) Credit Cards .......................................................................................................................................... 62 (III) Other .................................................................................................................................................... 64
Part 3: Insurance and Social Welfare ...................................................... 66 (1) Social Welfare ............................................................................................................................................... 66 (I) Social Welfare, Insurance and Annuity .................................................................................................. 66 (II) Medical Insurance ................................................................................................................................. 73 (III) Unemployment Insurance ................................................................................................................... 76 (IV) Housing Fund ...................................................................................................................................... 76 (2) Commercial Insurance .................................................................................................................................. 80 (I) Business Life Insurance ......................................................................................................................... 80
I
(II) Commercial Health Insurance............................................................................................................... 82 (III) Commercial Pension Insurance ........................................................................................................... 82 (IV) Commercial Property Insurance .......................................................................................................... 83 (V) Other Commercial Insurance ................................................................................................................ 84
Part 4: Income and Expenditure .............................................................. 85 (1) Consmer Spending ........................................................................................................................................ 85 (2) Transfer Expenditure .................................................................................................................................... 88 (3) Other Expenses ............................................................................................................................................ 88 (4) Transfer Income .......................................................................................................................................... 89 (5) Other Income ................................................................................................................................................ 90 (6) Other............................................................................................................................................................ 91
II
Interviewer Observations Interviewer Note：The following questions are to be asked under their own on-site observation or by their District/Village Contact person, they need not enter to ask. [J1001] Where is the respondentss home located？ 1. Large City (Urban Area)
4. Small Town
2. Large City (Outskirts)
5. Rural Area/Village
3. Large Town [J1002] Surveyed household is how many minutes from district, village, city or town center？ [J1003] Method of transportation 1. Foot
5. Subway/Light Rail
2. Bicycle
6. By Car
3. Motorbike or Electric Cart
7. Other (Please specify)
4. By Bus [J1004] The surveyed household lives in which kind of house？ 1. Farmhouse（Skip to [J1006]） 2. Stand alone Building，one/two family home（Skip to [J1006]） 3. Two or more families side by side
buildings（Skip to J1006]） 4. Building Has 1-8 Units 5. Nine Units or more, less than 8 floors 6. Nine or more floor high-rise
[J1005] The home has how many floors？ [J1006] This home is currently worth approximately how much？ 1. Under 50,000
4. 500,000-1,000,000
2. 50,000-200,000
5. 1,000,000-1,500,000
3. 200,000-500,000
6. Over 1,500,000
[J1007] Does this home face southward? 1.
Yes
2.
No
If [J1001]=1,2,3，then ask [J1008]- [J1010]，if not skip to [J1011]。 [J1008] Is the familys property all in this district？ 1. Yes
2. No
[J1009] Approximately how much is the households vehicle worth？
1
1. Under 30,000
3. 100,000-200,000
2. 30,000-100,000
4. 200,000-500,000
5. Over 500,000 [J1010] In the respondentss district how much does a residential parking space cost？ 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] Does this village/district allow dogs or other pets? 1. Yes
2. No
[J1012] Is the village/district reachable by road? 1. Yes 2. No
2
Interviewer Note: Please mark 1-10, 1 for messy, 10 for clean. [J1013] How clean are the roads in the village/town？ Interviewer Note：Please mark 1-10，1 for messy, 10 for clean. [J1014] The condition of the buildings in the village/town： Interviewer Note：Please mark 1-10，1 for crowded, 10 for open. [J1015] The level of congestion in the village/town： Interviewer Note: Please mark 1-10, 1 for poor, 10 for great. [J1016] The level of “green” the village/town is： Interviewer Note: Please mark 1-10, 1 for poor, 10 for rich. [J1017] Village/towns economic condition：
1
Part 1: Demographic Characteristics (1). Filter Questionnaire [A1001] Is the respondentss address the “load address” ？ 1. Yes 2. No（re-examine surveyed households）
[A1002] Is your home considered residential?（this includes mixed use residential）？ 1. Yes 2. No (look again at respondents family) [A1003] How many families live in this house？ Interviewer Note: According to weather or not the family is economically independant，determain wether or not the home houses more than one family, for example: shared households, seprate shared rural homes。 For more than one household randomly select one for visit。 [A1003a] If [A1003]>1，CAPI Cyclic Loading： [i] is the houshold head of the surname： CAPI randomly select one to ask the following questions. [A1007] Is the main economic activity of your home here？ 1. Yes 2. No (review surveyed households) [A1008] Over the past year did your family have members take residence in the city/county for more than six months？ 1. Yes family) 2. No (See replacement [A1009] Does your family have members of foreign nationalities, Hong Kongnese, or Taiwanese? 3. None 1. The whole family is（see replacement family)） 2. Some [A1010] In this village/county, aside from the main home, does your family have other residences? This includes rented properties but does not include properties that are rented out. 。
2
If there are none mark 0；if they don’t know，please mark-9。 [A1011] Aside from ths village/county, does your family have any other homes in China? This includes rented properties, but does not include homes rented out. If none, mark 0, if they don’t know，mark -9. [A1013] Which member of your family has the best knowledge of your finacial situation? Interviewer Note: Please record the surname of the person with most knowledge of the families financial situation as the respondents. All of the following are advisory respondentss, other family members should only take an advisory role. If the interviewer is not at the home, he/she should leave contact information and set up another time to meet. If A1003a=A1013，A1004 self load 1，and skip [A1014] Who is the head of your household？【Card A0】 1. Respondents 2. Spouse or Partner 3. Parents 4. Wifes Parents/ Husbands Parents 5. Husbands Grandparents/ Wife’s Grandparents 6. Children
3
7.
Son In-Law / Daughter In- Law 8. Grandson/Granddaughte r 9. Son’s wife/ Daughters Husband 10. Brothers and Sisters 11. Other (Please Specify)
(2). Basic Family Member Information Display: Below we would like to gain an understanding of your economic ties with the members of your family, start with yourself. Interviewer Note： 1. If the following seven categories of people have economic ties with the family, they should be included as family members. （1） Student away from home； （2）Working away from home ； （3） Monk； （4） Visiting friends/relatives； （5）Incarcerated ； （6）Army Service ； （7）Abroad (including travel, work, study, visit relatives);（ 8）Married out 2. Does not include nannies, drivers, etc. [A2000] How many family members are in your family? Start with yourself. Family Member Code [Numbered]
01
02
03
04
05
06
07
08
____Yr ____Mt
____Yr ____Mt
____Yr ____Mt
____Yr ____Mt
____Yr ____Mt
____Yr ____Mt
____Yr ____Mt
____Yr ____Mt
[A2001]
Who is the respondents? 【Card A0】 1. Respondents 2. Spouse/Partner 3. Parents 4. Her Parents/ In-laws 5. Grandparents 6. Children 7. Daughter’s husband/ Son’s wife 8.Grandson/Granddaughter 9.Granddaughter’s [A2002] Full Name Husband/Grandson’s Wife 10.Brothers and Sisters Specify） [A2003] 11.Other（Please 【CAPI load name】sex 1. Male 2. Female [A2004]
【CAPI Load name】Do they live with your? 1. Yes 2. No
[A2005] [A2006]
【CAPI LOAD NAME】Date of birth
4
[A2008] [A2009]
What is your birth month and year? (only asked of respondents and spouses) (1) Gregorian Calendar Lunar Calendar CAPI automatically filled,(2) interviewer will later confirm 【CAPI LOAD NAME】zodiac sign？ 1. Rat 2. Cow 3.Tiger 4. Rabbit 5. Dragon 6. Snake 7. Horse 8. Sheep 9. Monkey 10. Chicken 11. Dog 12. Pig
5
[A2010]
【CAPI LOAD NAME】 is of which nationality？（Only asked of respondents and spouses ） If A1009=3 ， automatically assign 1 1. Mainland Chinese 2. Hong Kong, Macao, Taiwan
[A2011]
【CAPI LOAD NAME】is of what nationality？(Only asked of respondents and their spouses)
3. American /Canada （Skip to [A2012]） 4. Europe (Skip to [A2012]) 5. Other Asian Countries （skip to [A2012]） 6. Other Coutries （ skip to[A2012 ])
Ethnic Groups’ code table (Ranked by the order of their Pinyin, 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:
1
Han
20
Kazak
39
Pumi
Ox
1997: 1985: 1973: 1961: 1949: 1937: 1925: 1913: 1901:
2
Achang
21
Hezhen
40
Qiang
Tiger
1998: 1986: 1974: 1962: 1950: 1938: 1926: 1914: 1902:
3
Bai
22
Hui
41
Salar
Hare
1999: 1987: 1975: 1963: 1951: 1939: 1927: 1915: 1903:
4
Bao'an
23
Jino
42
She
Dragon
2000: 1988: 1976: 1964: 1952: 1940: 1928: 1916: 1904:
5
Bulang
24
Jing
43
Shui
Snake
2001: 1989: 1977: 1965: 1953: 1941: 1929: 1917: 1905:
6
Bouyei
25
Jingpo
44
Tajik
Horse
2002: 1990: 1978: 1966: 1954: 1942: 1930: 1918: 1906:
7
Tibetan
26
Kirgiz
45
Tartar
Sheep
2003: 1991: 1979: 1967: 1955: 1943: 1931: 1919: 1907:
8
Korean
27
Lahu
46
Tujia
Monkey
2004: 1992: 1980: 1968: 1956: 1944: 1932: 1920: 1908:
9
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
6
[A2012]
[A2012a]
If（survey year- [A2005]）is calculated to be under 16，then skip to[A2017] 【CAPI LOAD NAME】’s education level is？ 【Card A2】 1.Never Attended School（skip toA2015） 2.Primary School（skip toA2015） 3.Junior High（skip toA2015） 4.High School（skip toA2015） 5.Secondary/Vocational School（skip toA2015） 6.College/Vocational（skip toA2015） 7.Undergraduate Degree 8. Masters Degree 9.PhD Was the degree acquired abroad？ 1.Yes 2. No
[A2015]
【CAPI LOAD NAME】is of what political affiliation？ （Only asked of respondents and spouses） 1. Youth League 2. Chinese Communist Party 3. Democratic Party or other parties 4. The masses
[A2017]
Last year, did 【 CAPI LOAD NAME 】 live in this county/city for more than six months? (Only asked of respondents and their spouses) 1. Yes 2. No
7
[A2019]
If（survey year- [A2005]）is calculated to be younger than 16, then skip to[A2028] 【CAPI LOAD NAME】has this city/town’s residence permit? （Just ask the nationality of family members in mainland China) 1. Yes（skip to[A2022]） 2. No LOAD NAME】has which province’s residence 【CAPI
[A2020]
permit ？ (Only ask the citizenship of respondents in mainland LOAD China and their spouses) 【CAPI NAME】has a residence permit from
[A2018]
[A2022]
which city/town? (Only ask the citizenship of respondents in mainland China and their spouses) 【CAPI LOAD NAME】in which year began living in this city/county? (Only ask the citizenship of respondents inDoes mainland China and their spouses) 【 CAPI LOAD NAME 】 have an agricultural
[A2023]
residence permit, or a non-agricultural residence permit? （ Only ask the nationality of family members in mainland China） 1. Agricultural 2. Non-Agricultural（skip Locally, is your /【CAPI loadto[A2024]） spouses name】’s surname
[A2021]
prominent？(Just ask respondent and spouses) 1. Yes 2. No
8
[A2024]
【CAPI LOAD NAME】is of what marital status？ 【CardA3】（Just ask for those over 16） 1 Single（skip to[A2028]） 2 Married 3 Cohabitation 4 Separated（skip to[A2028]） 5 Divorced（skip to[A2028]） 6 Widowed（skip to[A2028]） 7 Other [A2025] Married/Cohabitated in which year？（Only asked of respondents and spouses） Interviewer Note： A2028-A2030 just ask of family members older than 16 [A2028] [A2029]
[A2030]
9
【CAPI LOAD NAME】has how many brothers, not including yourself? Only asked of respondents and spouses） 【 CAPI LOAD NAME 】 has how many sisters, not including yourself？（Only asked of respondents and spouses） Amongst these brothers and sisters ，【 CAPI LOAD NAME】rank a few？（Only asked of respondents and spouses） If no brothers or sisters please mark 0，if A2028=0 and A2029=0，then A2030will automatically load 0，and skip to the next person.
3. Family Member’s Occupational Income Information Note: In addition to the respondents and their spouses, only other family members can be asked A3003 andA3006
Main Work Information [CAPI]：Only those of age 16 and above may be asked [A3002]~[A3044] Family member code
01
[A3000]
Presently, does【CAPI LOAD NAME】have a job，this includes farming？（Only ask family members who are older than 16) 1. No 2． Yes（skip to[A3002]）
[A3001]
Why doesn’t【CAPI LOAD NAME】have a job? 【CardA4】 1. Student 2. Housewife 3. Incapacitated 4. Seasonal-worker, currently out of season
02
03
04
05
06
07
08
5. Vacation/Sick/Having children 6. Lost job, hasn’t found new job 7. Unwilling to work 8. Retired 9. Other → Select 8skip to[A3039]other skip to[A4001]
→For family members older than 16 cycle through [A3002]~[A3042] [A3002]
At present,【CAPI LOAD NAME】has how many jobs?
Interviewer Note: If more than one job, respondents should be told: “Let’s first discuss your most important job”. 10
[A3003]
[A3005]
What is the nature of the work？【Card A5】 1. Employed in a work unit (employed by others or in a unit) 2. Individual or privately owned business, entrepreneur（skip to[A3029]） 3. Farming at home（skip to[A3029]） 4. Once retired, now reengaged by original work unit as needed 5. Freelance（skip to[A3029]） 6． Other（volunteer） （just ask[A3006]、[A3011]-[A3013]、 [A3020]-[A3024]）
This work falls under which profession? 【Card A5a】 1. Personnel for Party-State organs, organizations, enterprises and institutions 2. Professional and technical personnel 3. Staff and associated personnel 4. Commercial and service personnel 5. Agriculture, Forestry, Animal husbandry and water conservancy 6. Production, transportation equipment operators and related personnel 7. Soilder
11
[A3006] 该工
This work belongs to what industry?【Card A5b】 1. Agriculture, forestry, animal husbandry, aquaculture 2. Mining 3. Manufacturing 4. Electricity, gas and water production and supply 5. Construction 6. Transportation, storage and postal industry 7. Information transmission, computer services and software industry 8. Wholesale and retail trade 9. Hospitality 10. Finance 11. Real Estate
12. Leasing and business services 13. Scientific research, technicalogical services and geological prospecting 14. Water, environment, and public facilities management 15. Resident services and other services 16. Education 17. Health, Social Welfare and 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]
In this position what professional or technical titles are there？ 【Card A6】 1. No titles 2. Technician 3. Junior title 4. Intermediate title 5. Senior title 6. Honorary title 12
[A3009]
Within this job what posts are do you occupy? 【Card A7】 1. Ordinary workers （ skip to[A3011]） 2. （Sub) Group/Chief 3. (Deputy) Chief 4. (Deputy) Director 5. (Deputy) Secretary and above
6. 7. 8. 9. 10.
Village Cadres Township Cadres Unit Department Head Unit Head Other (Pleas specify)
[A3010]
How many years have you been in that role?
[A3011]
Last year, how many months did you spend on the job in total?
[A3012]
Last month, on average how many days did you work a week?
[A3013]
Last week, on average how many hours did you work a day?
[A3014]
[A3015]
13
What type of work unit is this? 1. Government Department 2. Institution 3. Company
4。For profit NGO 5. Army 6. Other (Please Specify)
【CAPI LOAD NAME】is what kind of establishment？ 1. No establishment 2. Administrative personnel (civil servants) 3. Business establishment 4. Military establishment →if A3014≠3，skip toA3020
[A3016]
What is the nature of【CAPI LOAD NAME】work unit?【Card A8】 1。State/ State Controlled 2. Collective/ Collectively Held 3. Private (without foreign capital0 4. Foreign Owned 5. Hong Kong, Taiwan, Macao owned 6. Foreign Joint Venture 7. Other Joint Venture 8. Other (Please Specify)
[A3018a]
Has the unit been listed? (Only asked when A3014=3) 1. Listed 2. Not Listed
[A3020]
Last year, what were you paid in wages after taxes? Deduct five insurance payments, bonuses, subsidies, income in kind. (Unit: RMB)【Method of inquiry】 (If the respondent does not know or is not willing to answer then ask[A3020it])
14
[A3020it]
Last year’s after-tax wages were 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
[A3022]
Last year, how much money did you earn after taxes? This includes monthly bonuses, quarterly bonuses, semi-annual awards, festival awards, stock dividends and other awards. 【Method of inquiry】 (If respondents do not know or do not want to answer the question then ask[A3022it])
15
[A3022it]
Last year’s after tax bonuses were 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
[A3023]
Last year, the after tax income or in-kind income received from work was how much in total? This includes food, medical benefits, transportation and communication subsidies as well as housing subsidies【Method of Inquiry】
[A3024]
Last year, personal income taxes paid was how much in total? This includes monetary wages, bonuses, and subsidies received. 【Method of Inquiry】
Interviewer Note：[A3002]>1，then ask [A3029]~[A3037]。IfA3002 = 1，skip toA4001
16
[A3028] 【CAPI LOAD NAME】second job is what of what nature? 【Card A5】 1. Employed by work unit 2. Private business, self-employed（skip to[A4001]） 3. Farming at home（skip to[A4001]） 4. Once retired now reengaged with prior work unit 5. Freelance 6． Other（Volunteer） （skip to[A4001]） [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 income in kind. 【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
17
[A3037]
Last year, personal income taxes paid on second job totaled how much? This includes monetary wages, bonuses, and subsidies paid. 【Method of Inquiry】 →skip to[A4001]
Work History [A3039]
How old were you at your first job?
[A3040]
Have you held multiple jobs? （If 0，then skip to[A4001]）
[A3041]
【CAPI load A3040 select】falls under what profession ?【Card A5a】 1. Personnel for Party-State organs, organizations, enterprises and institutions 2. Professional and technical personnel 3. Staff and associated personnel 4. Commercial and service personnel 5. Agriculture, Forestry, Animal husbandry and water conservancy 6. Production, transportation equipment operators and related personnel 7. Soilder
18
[A3042]
19
【CAPI load A3040 select】This job is part of what industry? 12. Leasing and business services （Can select multiple）【Card 13. Scientific research, A5b】 1. Agriculture, forestry, technicalogical services and animal husbandry, geological prospecting aquaculture 14. Water, environment, and 2. Mining public facilities management 3. Manufacturing 15. Resident services and other 4. Electricity, gas and services water production and 16. Education supply 17. Health, Social Welfare and 5. Construction Welfare 6. Transportation, storage 18. Culture, sports and and postal industry entertainment 7. Information 19. Public administration and transmission, computer social organization services and software 20. International organization industry 21. Other 8. Wholesale and retail trade 9. Hospitality 10. Finance 11. Real Estate
(4). Subjective Attitude of Respondent Guide: 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, 3. Radio Coworkers 4. The Internet 7。 Please Specify [A4002] You mainly focus on what aspects of the information?（Can Choose Multiple） 【Card A11】 1. Politics 6. Entertainment 2. Economics 7. Military 3. Society 8. Health 4. Science 9. Other Other （ Please 5. Education Specify） [A4003] If you have an asset which investments are you likely to choose?【Card A12】 1. High Risk, High Return 4. Slightly lower risk, slightly 2. Slightly higher risk, slightly lower return projects higher return projects 5. Not willing to take on 3. Average risk, average return any risks projects [A4004] When the value of your assets rises, are you willing to spend more? 1. Very Willing 4. Unwilling 2. Willing to 5. Very unwilling 3. Maybe [A4005] In the next three to five years in what way do you expect that China’s economy is more likely to change? 1. Much better 4. A little worse 2. Better 5. Much worse 3. Almost no change [A4006] What do you think of the local social welfare? 1. Extremely good 2. Good 3. Average
4. Poor 5. Very Poor
[A4007] In the next year do you expect interest rates to change? 1. Rise a lot 2. Rise a little 3. Almost no change
4. Reduce a little 5. Reduce a lot
20
[A4008] Do you expect commodity prices to rise 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. 5.
[A4008b] Do you normally wear seatbelts while driving? 1.Yes 2. It depends
3.No
Reduce a little Reduce a lot
[A4009] At the time of the Wenchun earthquake how much money did you donate? Please convert material donations to their monetary value。 （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 A2001select option 6 ，且 A2005>=1986 时，then askA4010a，Nothenskip toA4011c [A4010a] Do you plan on sending your kids abroad to study? 1.Yes 3.No 2.It depends [A4011] Assume that the current interest rate is zero, without considering price fluctuations, you can either receive 1000 RMB tomorrow or 1100 RMB in one year. Your choices are： 1. Get 1000 RMB tomorrow 2. Get 1100 a year from now [A4011c] Generally speaking, do you feel happy? 1.Extremely happy 2. Happy 3. Normal
4.Unhappy 5. Extremely unhappy
Part 2: Assets and Debts Guide：Below we will ask some questions relating to your families assets and debts, here your family will include the members mentioned prior in this survey. Let’s begin with your 21
family’s non-financial assets.
(1). Non-Financial Assets （I) Production and Management Projects 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 person employed by others in agricultural production. 1. Yes 2. No（skip 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? （Don’t 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． Other（Please Specify） [B1005] Last year, how much gross income did your family receive from their agricultural activities? (Unit: RMB)【Method of Inquiry】 （If the respondent does not no or is unwilling to answer then ask [B1005it]) [B1005it] Your estimated gross income from this project is in 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 [B1006] Last year, did your family receive any subsidy for its agricultural production? 1. Yes 2. No（skip to[B1011]）
22
[B1007] What type of subsidy? 1． Money 2． In Kind（skip to[B1009]）
3． Both
[B1008] What is the monetary value of the subsidy? (Unit:RMB) If [B1007]=1，skip to[B1011] [B1009] In kind subsidies include which of the following types? （Can Choose Multiple） 【Card B2】 1. Pesticide/Fertilizer 4. Fish Eggs 2. Seeds/Seedlings 5. Agricultural Machinery 3. Livestock/Cubs 6. Other（Please Specify） [B1010] Converted to market price, what are these subsidies worth? [B1011] Last year, in addition to family members enganged in agriculture how much did your family spend to hire outside workers? （Don’t know mark-9) [B1012] Last year, what was the total cost of your families agricultural activities? ？【Method of Inquiry】 (If respondent does not know or is unwilling to answer then ask [B1012it]) [B1012it] In which of the following ranges do you estimate your total cost of agricultural production to fall? 【Card R2】 1. Under 20,000 6 . 500,000-1,000,000 2 . 20,000-50,000 7 . 1,000,000-2,000,000 8 . 2,000,000-5,000,000 3 . 50,000-100,000 4. 100,000-200,000 9 . 5,000,000-10,000,000 5 . 200,000-500,000 10. Over 10,000,000 [B1013a] Currently, what is the value of your family’s agricultural produce? (Unit: RMB) [B1013] Currently, which farm machinery does your family own? Except for tractors. 【Card B3】 1． Thresher (includes 打稻机) 5． Livestock machinery 2． Power Drill 6． Forestry machinery 3． Harvester 7． Aquaculture machinery 4． Pumps （ Includes water 8． Other（Please Specify） pump） 9. None（skip toB2001） [B1014] In total what are these farm implements worth in total?【Method of Inquiry】 （Don’t know mark-9）
23
Industry & Commerce Interviewer Not：Here “Industrial & commercial production and management projects” includes individual hadicrafts as well as larger businesses. [B2001] Last year, did your family engage in the production or operation of any industrial or commercial projects? 1. Yes 2. No（If [B1001]=1，skip to[B3001] ；if [B1001]=2，skip to [C1001]） [B2002] In total your family has how many projects? （If the respondent does not know, mark-9) If [B2002]=1，then skip to[B2004] [B2003a] Currently, the total asset value of these projects is how much? Please do not include the value of your home. (If the respondent doesn’t know, please mark -9, if the respondent is unwilling to answer please mark -7) [B2003b] Last year, revenue/gross income from these projects totaled how much? Method of Inquiry】 （(If respondent doesn’t know, please mark -9; if the respondent is unwilling to answer, please mark -7)） [B2003c] Last year, net profit from these projects was how much? 【Method of Inquiry】 （(If respondent doesn’t know, please mark -9; if the respondent is unwilling to answer, please mark -7)） If [B2002]>1Display：Below, we would like to inquire as to the condition of your family’s 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. Established (self) 2. Bought into 3. Inherited/Gifted
4. Joined as a partner 5. Other
[B2006] Currently, your family controls what percentage of this venture? （(If respondent doesn’t 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, 24
computer services and software industry 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 [B2008] What is the organizational form of this project? 1. Public Corporation 2. LLC 3. Partnership
14. Residential services 15. Education 16. Health, social welfare and social welfare 17. Culture, sports, entertainment 18. Public administration and social groups 19. International organizations 20. Other
(Don’t use card） 4. Wholly owned interprise 5. Self-owned/single proprietership
[B2009] Aside from your family members, how many outside workers do you currently have working on this project? （If respondent doesn’t know, please mark -9） [B2010] Are you and your family members actively involved in this project? 1.Yes 2. No（skip to[B2013]）
[B2012] In an avereage week, how many days do you and your family members spend working on this project？ （If respondent doesn’t know, please mark -9） [B2013] Currently, the total assets of this project amount to how much? This does not include the value of homes associated with the project. （If respondent doesn’t know or is unwilling to answer then ask[B2013it]） [B2013it] The total assets of this project fall roughly 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, the projects operating revenue/ gross income was how much？【Method of Inquiry】 (If respondent doesn’t know or is unwilling to answer then ask[B2014it])
25
[B2014it] By 【Card R2】 1. 2. 3. 4. 5.
your estimation, income from this project falls into which of the following ranges? 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 projects profitability last year？ 1. Profitable 2. Incurred Losses 3. Flat [B2015] Last year this project【load B2014a】how much money？【Method of Inquiry】 (If respondent doesn’t know or is unwilling to answer then ask[B2015it]) [B2015it] You estimate this project’s【CAPI load B2014a options】profitability to be in which of the following ranges? 【Card R2】 1. Under 20,000 6 . 500,000-1,000,000 7 . 1,000,000-2,000,000 2 . 20,000-50,000 3 . 50,000-100,000 8 . 2,000,000-5,000,000 4. 100,000-200,000 9 . 5,000,000-10,000,000 10. Over 10,000,000 5 . 200,000-500,000
Agricultural/Business Related Loans [B3001] For the above【CAPI load：if B1001is 1，indicates agriculture，if B2001 is 1，indicates industrial/commerce；if both are 1，indicates agriculture and industrial/commercial】 production and industrial activities, do you currently have any loans? 1. Yes（skip to[B3004]） 2. No [B3002] Why don’t you have loans？（Card B7） 1. No need（skip to[B3030]） 2. Need loans, but have never applied 3. Applied for loans but was denied（skip to[B3003]）
4. Had a loan but paid it off (skip to[B3030])
[B3002a] Why hasn’t your family applied for a loan？ （Can Choose Multiple） （Do not use card） 1. Don’t know how to apply 4. Other（Please Specify） 2. Believe application will be rejected 3. Applying is too troublesome →skip to[B3030] [B3003] Why do you think your loan was rejected？ （Can Choose Multiple） 【Card B8】 26
1.Have debts to pay off 2.Have no guarantor 3.Not familiar with the loan officer 4.Income is low, loan officer is worried 5.No collateral →skip to[B3030]
6. Bad credit history 7. Project is risky 8. Policy reasons 9. Other（Please Specify）
[B3004] How many loans are there currently？ （If respondent doesn’t know, please mark -9） [B3004a] How much total credit？（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know, please mark -9） [B3005] Currently，the【CAPI load B3004 option】still has how much owed？（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[B3005it]） [B3005it] By your estimation the amount you currently own is in what 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 8 . 2,000,000-5,000,000 3 . 50,000-100,000 4. 100,000-200,000 9 . 5,000,000-10,000,000 10. Over 10,000,000 5 . 200,000-500,000 If [B3004]>1，Display：Below, we would like to gain an understanding of your family’s largest loan from a bank. [B3006] In what year did your family take this loan？ [B3007] Last year how much was the interest on this loan？（Unit: RMB） If B3004 = 1，skip toB3009 [B3008] How much money was borrowed？（Unit: RMB） 【Method of Inquiry】 [B3009] What type of loan is this? 【CardB9】 1. Mortage 2. Hypothecated Loan
3. Guarnteed Loan 4. Credit
[B3010] Which bank is the loan from？[CAPI]：List the financial institutions name. [B3011] What is/are the main reason(s) for choosing this bank？（Can Choose Multiple） 【CardB10】 1. Low interest rates 6. Flexible loan terms 2. Has done business with 7. Good reputation 8. Influence 3. Low approval rate 4. Low cost 9. Good service 5. Personal relationships 10. Hours, convenient 27
location 12. Other（Please Specify） 11. No right to choose →If B3004=1，then skip toB3022 [B3018] Currently, how much money needs to be paid? (Unit: RMB） （If respondent doesn’t know, please mark -999） 。 [B3022] What is the interest rate on the loan? （%） （If respondent doesn’t know, please mark -99；if no iterest is charged then mark-88） [B3023] Can the interest rate be adjusted？ 1. It Can
[B3024] What was the most recent rate change？ 1. Rose 2. Fell
2. It can’t（skip to[B3030]）
3. None（skip to[B3030]）
[B3025] As of now, what is the yearly interest rate (%)? （If respondent doesn’t know, please mark -99；if interest is not charged then mark-88）
[B3030] Aside from bank loans, has your family borrowed any money from other sources to engage in your production operations? 1. Yes 2. No（skip to[C1001]） [B3031] At that time, what was the total amount of money borrowed？（Unit: RMB） [B3033] Currently, how much is owed on these loans？（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[B3033it]） [B3033it] By your estimation the amount you owe is in what 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 [B3035] Where were these loans taken from？【Card B13】 （Can Choose Multiple） 1. Parents 5. Friends/Colleagues 2. Children 6. Nongovernmental 3. Brothers and Sisters financial organization 4. Other Relatives 7. Other
28
Interviewer note：From the first payment of principal or interest. [B3039a] At the time was a pay off period agreed upon？ 1. Yes 2. No [B3043a] Last year what was the total amount of interest your family paid on these loans? (Unit: RMB)
(Ⅱ) Land and Real Estate Display：Below, we would like to gain an understanding your real estate and land situation. [C1001] The house you live in is which of the following？（directly read options） 1． Owned by family 2． Rented members（skip to[C2002]） 3． Free
[C1002]Who does this house belong to？【Card B14】 1. Country 2. Unit 3. Parents 4. Wife’s Parents/ Husbands Parents 5. Son-in-law/Daughter-in-l aw 6. Daughter
7.
Grandson’s daughter/Granddaughter’ s Husband 8. Granddaughter/Grandson ’s Wife 9. Brothers and Sisters 10. Other Relatives 11. Non-relatives
[C1003] Does your family【CAPIloadC1001options】 live in part of the house，or the whole home? to[C1005]） 1． Whole house 2． Part of the house/ one of the rooms（skip [C1004] About how much living space does your family use? →skip to[C1006] [C1005]About how many square meters is your family’s【CAPIloadC1001 option】living space？ (If respondent doesn’t know, please mark -9) [C1006] How many minutes is it from your house to the nearest city/county center? (If respondent doesn’t know, please mark -9；if it is in city/county center mark 0) [C1007] Method of transportation 29
1. On foot 2. Bicycle 3. Motorbike/Electric Carts 4. The bus
5. Subway/light rail 6. Drive a car 7. Other（Please Specify）
[C1008] When did your family start living in this house? （If respondents did not know, record -9) [C1010]When your family began living in【CAPIloadC1001 options】 ，how was it decorated/furnished? 1. Unfurnished 4. High-end Decor 5. Luxary Decor 2. Lightly decorated 3. Somewhat decorated →If[C1001]=3，skip to[C1014]。 [C1011] Currently, how much money do you pay in rent?（Unit: RMB） (If respondent doesn’t know, please mark -9；if rent is not paid then，mark 0 and skip to[C1014]) [C1012]What is your rent period？ 1. Monthly 2. Quarter 3. Half-year 4. Year
5. Two Years 6. No Rent 7. Other
[C1013] Which of the following expenses are included in your rent？（Can Choose Multiple） 【Card B15】 5. Fiber optics 1. Water 2. Tariff 6. Telephone 3. Fuel 7. Network charges 4. Property Management fee 8. None included [C1014] If you put your house on the rental market how much would it rent for？（Unit: RMB） （If respondent doesn’t know, please mark -9） [C1015] Estimate the market value of the home you are living in. (Unit: 10,000 RMB) (If respondents did not know, mark -9)
Property Ownership Structure [C2001] Does you family own their own home？ 1. Yes
2. No（skip to[C4001]）
Interviewer Note: Houses mentioned below do not include homes demolished by year end. 30
[C2002] In total how many homes does your family own? (If respondent doesn’t know, please mark -9) [C2002a] Does your family rent this house 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]
This home’s building area is how many square meters? （If respondent doesn’t know, please mark -9）
[C2004]
[C2005]
The house’s floor area is how many square meters？ （If respondent doesn’t know, please mark -9） Aside from the toilet, how many rooms does this house have?
[C2006]
Interviewer Note: If this person lists how many living rooms, bathrooms and bedrooms you can write it down directly? How did you acquire this home?【Card B16】 1． Buy real estate/ Property 2． Affordable Housing 3． Inheritance or gifts 4． Purchased at below market prices 5． Financed housing 6． Self built/ Addition 7． Demo/Relocation 8． Other
[C2008]
[C2009a] [C2010]
31
What form of property is this house? 1. Part Ownership 2. Full ownership 3. Affordable Housing-4. Collective Ownership 5. Other（Please Specify） Is this house in the city/county proper? 1. Yes 2. No How many minutes is your house from the city/county center? Interviewer Note：If it is in the city/town center mark-0。
01
02
03
[C2011]
Transportation 1. Walk 2. Bicycle 3. Motorbike or electric cars 4. Take the bus 5. Subway/Light Rail 6. By Car 7. Other（Please Specify）
[C2012]
In what year did you buy this home? （If respondent doesn’t know, please mark -9）
[C2013]
[C2013it]
What was the total cost of this home at the time it was purchased? (Unit: 10,000 RMB) (If respondent doesn’t know or is unwilling to answer then ask[C2013it]) By your estimation when your house was purchased the total cost
[C2013a]
was in which of the following ranges? 【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. theOver 5,000,000 At the time house was acquired, what was the total amount of
[C2016]
taxes and fees paid? (Unit:10,000 RMB) 【Method of Inquiry】 （If respondent know, please mark -9） What is thedoesn’t home currently worth? (Unit:10,000 RMB)【Method
[C2016it]
[C2022]
of Inquiry】 （If respondent doesn’t is unwilling to answerranges then This homes market value know falls inorwhich of the following ask[C2016it］ 【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. used Overfor 5,000,000 Is this house commercial purposes? 1. Yes 2. No（skip to[C2024]）
[C2023]
How much floor area is dedicated to commercial purposes？ (Unit: Square Meters) 32
[C2024]
[C2025]
[C2026]
[C2027]
[C2028]
Display：Thank you for your responses, now I would like to ask some questions relating to your family’s debt situation. Currently, has your family borrowed money to purchase, improve, remodel, or expand your home? 1. 有（skip to[C2027]） 2. you 没有 Why haven’t taken bank loans?【Card B7】 1. Don’t need them（skip to[C3001]） 2. Need a loan but haven’t applied （skip to[C3001]） 3. Applied, was rejected 4. Had bank loan before, has been repaid （ skip to[C3001]） Why do you think your loan was rejected your loan?（Can Choose Multiple） 【Card B8】 1.Have debts to pay off 2.Have no guarantor 3.Not familiar with the loan officer 4.Income is low, loan officer is worried 5.No collateral 6. Bad credit history 7. Project is risky 8. Policy reasons 9. Other（Please Specify） →skip to[C3001] Do you have multiple loans? If more than one ask about the most important.Yes 几笔 （If respondent doesn’t know, please mark -9） （CAPIDisplay： below we would like to gain an understanding of the conditions surrounding your largest loan） In what year did you take out this bank loan?
[C2030]
At the time it was taken out, what was the loan used for? 1. Purchase housing 2. Home improvements（skip to[C2037]） 3. Additions、remodeling（skip to[C2037]） 4. Other
[C2031]
Is this loan a mortgage? 1. Yes 2. No（skip to[C2037]）
[C2032]
What was the down payment? (Unit: 10,000 RMB)【Method of Inquiry】
33
[C2034]
[C2035]
Who made the first payment? （ Can Choose Multiple ） 【CardB18】 1. Respondent or Spouse 2. Children for parents 3. Passed down to children 4. Other relatives/ close friends 5. Bank loans 6. Loans Otherpurchased this home what kind of bank loans did When your7.family you take?
[C2037] [C2038]
[C2041] [C2044]
1. Provident Fund Loan 2. Commercial Loan 3. Loan Portfolio 4. Other（Please Specify） Which bank did your family take this loan from? [CAPI]：local financial institution on list Why did you chose that bank？ （Can Choose Multiple） 【CardB10】 1. Low interest rates 2. Has done business with them 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. theOther（Please total amount ofSpecify） home loans taken from banks at the time? (Unit: RMB） 【Method of Inquiry】 How long is the loan period? (Unit: Years)
[C2046]
What is the loan’s interest rate? (%) （If respondent doesn’t know, please mark -9）
[C2050]
Have your repayment plans changed for this loan?【CardB11】 1. Have not changed（skip to[C2052]） 2. Repayed part early 3. Defered 4. Stopped payment 5. Other
34
[C2051]
What was your family’s main reason for changing the repayment plan for your loan?【CardB12】
[C3001]
1． Interest rate adjustment 2． Change in income 3． Changes in expected income 4． Changes in price levels 5． Other（Please Specify） 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 How much of your home still needs to be paid off? (Unit: 10,000 RMB)【Method of Inquiry】 By estimation the amount remaining to betopaid on this （Ifyour respondent doesn’t know or is unwilling answer thenloan falls into which range? 【Card R3】 ask[C2055it]） 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. bank Over 5,000,000 Aside from loans, did your family borrow money from any
[C3002]
other sources for the purchase, construction or renovation of this home? 1. Yes No（skip to[C4001]） What was 2. the total amount of these loans?【Method of Inquiry】
[C2052]
[C2055] [C2055it]
（If respondent doesn’t know, please mark -9） [C3003]
Interviewer Note: We would now like to learn about the situation surrounding your largest loan largest loan. How large is this loan?【Method of Inquiry】
[C3004]
From where was this loan taken？【CardB13】 1. Parents 2. Children 3. Brothers and Sisters 4. Other close relatives 5. friends/ colleagues 6. Nongovernmental financial institutions 7. Other（Please Specify）
35
[C3006a]
Has a clear repayment period been agreed upon? 1．Yes 2．No
[C3011]
At the start of the loan, what was the interest rate? （If respondent doesn’t know, please mark -9；if interest it not charged，then mark -0, Interest rate 12%，interest rate 1.2%。skip to[C3016]）
[C3012]
Is there a yearly interest rate, a montly interest rate or a daily interest rate?
[C3015] [C3016]
[C3016it]
1．Yearly Interest Rate 2．Monthly Interest Rate 3． Daily Rate What was the amount of your last repayment? (Unit: RMB) （If respondent doesn’t know, please mark -9；if has not yet begun repayment, mark -0) How much money is still owed on this loan?（Unit: RMB） （If respondent doesn’t know or is unwilling to answer then ask[C3016it]. If paid off，then mark -0,and skip to[C4001] By your estimation how the amount to be repaid on this loan is in which of the following ranges?【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 Relocation Interviewer note: This includes family workshop demolition and other forms of housing relcoation [C4001] Has your family been relocated? 1. Yes 2. No（skip to[C5001]） [C4002] When was the last time your family was relocated? [C4004] What was the size of the area cleared?
36
[C4005] What unit? 1. Square 2. 10cm 3. Hectare
4. 15 acres 5. Acres 6. Other（Please Specify） Interviewer Note: If the respondents [C4004] was answered directly record/
[C4006] What was the form of compensation received for the relocation? 1. Monetary Compensation 4. 2. Housing Compensation（skip to[C4008]） 5. 3. Both [C4007] What was the amount of the financial compensation? If C4006=1，skip toC4008c。 [C4008] How large was area compensated for? [C4008a] What unit? 1. Square Meters 2. Fen (66 sq meters) 3. Qing (6.66 hectares)
There is no competition（skip to[C5001]） Other（Please Specify） （skip to[C5001]）
(Unit:10,000 RMB)
4. Hectare 5. Mu 6. Other（Please Specify）
[C4008b] What is the estimated value of your housing compensation? (Unit: 10,000 RMB) [C4008c] Were you satisfied with you housing relocation compensation? 1．Very Satisfied 2．Satisfied 3．Somewhat satisfied 4．Not satisfied 5．Very unsatisfied
Land Status Interviewer Note: The land mentioned includes state owned land rights, but does not include urban residential housing. [C5001] Does you family own land? 1. Yes 2. No（skip to[C7001]） [C5002] Who do these lands belong to?（Can Choose Multiple） 【CardB20】 1． Agricultural land 3． State-owned land rights 4． Other（Please Specify） 2． Rural collective construction land （homestead） CAPI：Cycle [C5002] selected option [C5003] [Load [C5002] options] area is how much？
37
[C5004] Unit of recording„„？ 1. Mu (.0667) 2. 66.66 square meters 3. Hectare
4. 5.
Square meters Other（Please Specify）
Interview Note：If the respondents [C5003] has been answered，record directly. [C5005] [Load [C5002] option] is rented out? 1. Yes 2. No（skip to[C5010]） [C5006] What is size of the area being rented out? [C5007] What is the unit? 1. 0.0667 hectares 4. Hectares 2. 66.66 square meters 5. Square meters 3. 6.66 hectares 6. Other（Please Specify） Interviewer Note: If respondents answered [C5006], direct recording. [C5008] Last year what was the total amount of rent received? This includes land dividend. [C5010] At current market prices, how much is【CAPI load C5002 option】worth？
Land Expropriation [C6001] Was your family’s land expropriated? 1. Yes
2.
No（skip to[C7001]）
[C6002] When was the last time your land was expropriated? [C6004] What was the area of the land acquiried? [C6005] What units? 1. 0.0667 hectares 2. 66.66 square meters 3. 6.66 hectares [C6006] What is the method of compensation? 1. Currency 2. Non-monetary means （skip to[C6008]） 3. Got both 4. No compensation （ skip
4. 5. 6.
Hectares Square meters Other（Please Specify）
5.
to[C7001]） Other（Please Specify）
38
[C6007] How much was the compensation? (Unit: 10,000 RMB) If C6006=1，skip toC7001。 [C6008] What is the form of non-monetary compensation? 1. Old age insurance 2. Health insurance
3. Job placement 4. Other（Please Specify）
(Ⅲ) Vehicles Instructions: Here we would like to gain a better idea about the situation of your families vehicles. [C7001] Does your family have their own car? Including cars, buses and trucks 1. You 2. No（skip to[C7053]） [C7002] What is the total number of cars, buses or trucks? （If respondent doesn’t know, please mark -9） If C7002>2，shows: Here we would like to know more about the most recent car your family purchased? Vehicle Information Car Code
01
[C7003]
Brand?
[C7004]
Type?
[C7005] [C7007]
In what year did your family get this car? When you got this car was it new or used? 1. New 2. Second
[C7008]
What was the price of the car ? (Excluding tax) (Unit: 10,000) (If respondent doesn’t know, please mark -9）
[C7008a]
What was the total amount of taxes and fees incurred when buying this car? (Unit: RMB） What is the cars current market value? （If respondent doesn’t know or is unwilling to answer then ask[C7009it]）
[C7009]
39
02 03
[C7009it]
The car is now about the price range?【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. 1,000,000
[C7009a]
How many kilometers has the car been driven? （If respondent doesn’t know, please mark -9）
[C7014]
Did your family take a bank loan to buy this car？ 1．Yes（skip to[C7018]） 2．No
[C7015]
Why didn’t they take bank loans?【CardB7】 1． Did not need them（skip to[C7047]） 2． Need them, but did not apply （ skip to[C7047]） 3． Applied for a loan but was refused（skip to[C7047]） Previously applied forloan? but has paid10,000) off（skip At the time4． what was the size of the (Unit: to[C7047]） （If respondent doesn’t know, please mark -9）
[C7018] [C7019] [C7019it]
[C7047]
What was the size of the loan at that time? (Unit: 10,000) （If respondent doesn’t know or is unwilling to answer then By your estimation the amount owed is in which of ask[C7019it]） the following ranges?【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. to1,000,000 In addition the bank loans used to purchase this car, does your home have any other home loans?（Unit: RMB） 1．Yes 2. No（skip to[C7003]，ask about another vehicle；if it was the last one then skip to[C7053]）
40
[C7048]
Where did your family take these loans from? （Can Choose Multiple） 【CardB13】 1. Parents 2. Children 3. Brothers and Sisters 4. Other close relatives 5. Friends/Colleagues 6. Nongovernmental financial institutions 7. Other
[C7049] [C7050]
What was the total amount borrowed by your Currently, how much does your family owe on this loan? family？（Unit: RMB） （Unit: RMB） （Ifyour respondent doesn’t or owed is unwilling answerofthen By estimation the know amount falls intowhich the ask[C7050it]） following ranges?【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 Is interest 7. paid1,000,000 on these loans? 1．You 2．No（skip to[C7003]，ask about the next vehicle；or if the last one then skip to[C7053]）
[C7050it]
[C7051]
[C7052]
Last year what was the total amount of money spent on interest payments for your bank and private loans. (Unit: RMB） （If respondent doesn’t know, please mark -9）
If [C7002]>2，then ask [C7052a] [C7052a] Aside from the cars previously mentioned, what is the value of your family’s other car(s)？(Unit:10,000 RMB) （If respondent doesn’t 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 vehicles? Such as excavators, tractors, motorcycles, tricycles, electric vehicles, bicycles and so on. 41
1. Yes
2. No（skip to[C7070]）
[C7055] Today, what is the total value of these vehicles？（Unit: RMB） （If respondent doesn’t know, please mark -9） Interviewer Note: If your family only owns a fraction of this vehicle, record the value of your family’s fraction [C7056] To buy this/these vehicles, did your family take out loans or borrow money? 1. Yes 2. No（skip to[C7057c]） [C7057] Currently, how much is still owed on these loans?（Unit: RMB） （If respondent doesn’t know or is unwilling to answer then ask[C7057it]） [C7057it] By your estimation the amound you owe 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 [C7057c] Last year did your family lease a vehicle 1.Yes
2. No（skip to[C7057d]）
[C7057a] Last year, what was your car rental expense? (Unit: RMB) [C7057d] Last year, did your family lease out a car? 1. Yes
2. No（skip to[C7070]）
[C7057b] Last year, what was your car rental revenue? (Unit: RMB) If [C7001]=1 or [C7053]=1，then ask [C7070]~[C7072]，otherwise skip to[C8001]。
Vehicle Insurance [C7070] Does your family have vehicle insurance? 1． Yes 2． No（skip to[C8001]） [C7071] Last year, your home bought which of the following forms of vehicle insurance?（Can Choose Multiple） 【CardB22】 1. Traffic Insurance insurance 2. Loss of vehicle insurance 4. Theft Insurance 3. Third party liability 5. Auto liability insurance 42
6. No-fault liability insurance 7. Dropped cargo liability insurance 8. Glass breakage insurance 9. Breakdown insurance 10. Spontaneous Combustion
Insurance 11. Damage to new equipment insurance 12. Special risk insurance 13. Other（Please Specify）
[C7072] Last year, what was the total amount of insurance premium fees paid by your family？ （Unit: RMB） [C7073] Did your family make any car insurance claims last year? 1.Yes 2 No（skip toC8001） [C7074] Last year, what was the amount received from your family’s auto insurance claim? (Unit:RMB)
(Ⅳ) Other Non-Financial Assets Display: Below, 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 2. BW/Color TV 3. Washing machine 4. Refrigerator 5. Air Conditioner 6. Computer 7. Stereo 8. Solar/ Electric
heater 9. Furniture 10. Satellite Reciever 11. Musical Instruments 12. None of the above（skip toC[8003]） 13. Other（Please Specify） water
[C8002] Currently，by your estimation how much are [CAPI load each [C8001] selected options] worth？（Unit: RMB） （If respondent doesn’t know, please mark -9）Method of inquiry [C8003] In addition to the items mentioned in the questionnaire, does you family have in other assets such as boats, private aircraft, antiques, rare animals or plants, rare stamps, paintings or any other any other valuable assets? 1. Yes 2. NO（skip to[D1101]） [C8004] Which ones?（Can Choose Multiple） 43
1. 2. 3. 4. 5. 6.
Yacht/Private Plane Antiques Rare animals and Plants Stamps/ paintings/ artwork Gold, Silver, jewelry, etc Other( such as high-end
handbags, cosmetics, high-end luggage, watches, etc)
[C8005] By your estimation what is/are [CAPI load each [C8001] selected options] currently worth？（Unit: RMB） （If respondent doesn’t know, please mark -9）Method of Inquiry [C8006] Did your family borrow money or take out loans to purchase these assets？ 1. Yes 2. No（skip to[D1101]） [C8007] How much money is still owed?（Unit: RMB） （If respondent doesn’t know or is unwilling to answer then ask[C8007it]） [C8007it] By your estimation the amount owed falls in which of the following ranges?【Card R4】 1. Under 50,000 4. 150,000-250,000 2. 50,000-100,000 5. 250,000-500,000 6. 500,000 3. 100,000-150,000
(2) Financial Assets Display: Now we would like to learn a little about your family’s financial assets, let us begin with deposits.
(I) Demand Deposits [D1101] Does your family currently have RMB denominated checking account(s) 1. Yes 2. No（skip to[D2101]） [D1104] How many of these accounts does your family use regularly？ （If respondent doesn’t know, please mark -9） [D1105] Currently, the balance of [CAPI load [D1104]] account is approximately how much？ 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D1105it]） [D1105it] The [CAPI load [D1104]] checking account balance is in which of the following ranges？ 【Card R5】 44
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
If [D1104]>1，Display：Below，we would like to learn more about your families checking account with largest balance？ [D1107] This checking account is in which bank? [CAPI] List banks [D1108] Why did your family choose this bank? (Can Choose Multiple)【CardB25】 1. Convenient location 10. Personal relatonship 2. Many ATMs 11. Business/operational 3. More self-service needs banking 12. Work/learning needs 4. Better online banking 13. Pay card/pension card/ 5. Convenient hours unit designated 6. Low fees 14. Unlimited withdrawls 7. Good service 15. No other institution 8. Simple business 16. Risk of bank failure is processes small 9. Numerous banking 17. Prefer the local agency products 18. Other（Please Specify） to[D2101] → If [D1104=1] ， then skip [D1111] Currently, what is the amount on deposit in this checking account？【Method of Inquiry】 （If respondent doesn’t know, please mark -9）
(II) Time Deposits (Certificates of deposit) [D2101] Does your family currently have outstanding RMB time deposits？ 1. Yes 2. No（skip to[D3101]） [D2103] What is the main purpose of your family’s time deposit?（Can Choose Multiple） 【CardB28】 1. Interest income durable goods 2. Asset welfare 6. Agriculture/Industrial/Co 3. Purchase/construction/bu mercial start up funds ying of a home 7. Financial investment 4. Buy a car 8. Education and training 5. Purchase of furniture, 9. Debt appliances, and other 10. Prepare for retirement 45
11. Travel or vacation 15. No other investment 12. Leave to children channels 13. Weddings and funerals 16. Other（Please Specify） 14. Doctor [D2103a] Alltogether how many time deposits does your family have? [D2104] Currently what are these [CAPI load [D2103a]] time deposits worth in total？【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D2104it]） [D2104 it] The [CAPIload[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 family’s time deposits？（Unit: RMB） （if respondent doesn’t know, then mark-9） If D2103a>1，Display: Below we would like to learn about your family’s time deposit with the largest balance . [D2114] In what year was the deposit made？ [D2115] How long is the time deposit’s term？ →ifD2103a=1，skip toD3101 [D2117] Currently, what is the value of the deposits？【Method of Inquiry】 （If respondent doesn’t know, please mark -9）
(III) Stocks [D3101] What is the current amount in stocks？ 1． Yes（skip to[D3103]） 2． No [D3102] Why doesn’t your family have stocks?（Can Choose Multiple） 【CardB35】 an account 1． Stocks are too risky 4 ． Too far away from the 2． Stock returns are too low brokerage 3． Don’t know how to open 46
5． Do not know where to open an account 6．Cumbersome procedures 7．No knowledge 8．Lost money previously →skip to[D4101a]
9．Never heard of them 10．Limited funds 11 ． Other reasons （ Please Specify）
Interviewer Note: Cash balances in trading accounts refers to those funds not used to purchase stock. [D3103] How much cash do these equity accounts have in them, please note, that cash used to purchase shares is not included? 【Method of Inquiry】 （Unit: RMB） （If respondent doesn’t know or is unwilling to answer then ask[D3103 it]） [D3103 it] The stock portfolio’s balance is in which of the folloing 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 11. 10,000,000 5. 100,000-200,000 6. 200,000-500,000 [D3104] How many stocks does your family currently own？ （If respondent doesn’t know, please mark -9） If [D3104]>0 or -9，skip to[D3106] [D3104]=0，then ask[D3105] [D3105] Why doesn’t your family hold stocks？（Can Choose Multiple）【CardB36】 6．Don’t know how to buy 1． Bad market 7．No knowledge 2． Income is low 8．Never heard of them 3． Was not selected as an investment strategy 9．Limited funds 10 ． Other reason （ Please 4． Invest in capital funds Specify） 5． Insuffcient money in account →skip to[D4101a] [D3106] Of the stocks held by your family, is there any family member who is or has worked in one of these companies？ 1. Yes 2. No [D3107] How long has your family been invested in stocks? (Unit: Months) （If respondent doesn’t know, please mark -9）
47
Interviewer note: The following question asks for the entire family’s loss/gain situation, rather than an that of an individual stock or family member. [D3108] From the first stock purchase until now, what is your family’s loss/gain situation? 1. Profit 3. Losses 2. Broke even Interviewer Note, this question refers to the total market value of all stock purchases, stock accounts used for the purchase of stock in capital are not excluded. [D3109] What is the current market value of the stocks your family owns? 【Method of Inquiry】 （If respondent doesn’t 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. 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 Interviewer note: This question is asked to all family members, the most commonly used method is to let the respondent’s subjective judgements prevail. [D3111] What is your family’s main method of purchasing stock？（Can Choose Multiple） 【CardB37】 1. Home PC 5. Phone（ doesn’t include 2. Office PC cell phone） 3. Internet acces point (PC 6. Cell Phone café, school PC etc) 7. Through brokers 4. Counter 8. Other Interviewer Note：This question asks about respondents who usually make investment decisions for the family, allow the respondents subjective judgements to prevail. [D3112a] Which family member usually makes the investment decisions?【CardB38】 1. Respondent 7. Grandson/Granddaughter 2. Spouse 8. Brothers and Sisters 3. Respondent and spouse 9. Other close relatives choose together 10. Non- relatives 4. Family collectively 11. Respective decision decides making 5. Parents 6. Children [D3113] Does your family have any non-publicly traded stocks？ 1． Yes
2． No（skip to[D3116a]） 48
[D3116] What do you estimate the current value of these stocks to be? (Unit: RMB) Interviewer Note: This question refers to the entire family’s stock, rather than an individual stock or family member. （If respondent doesn’t know or is unwilling to answer then ask[D3116it]） [D3116 it] The market value of this/these stock(s) falls in which of the following ranges？【Card R5】 7. 500,000-1,000,000 1. Under 5,000 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 11. 10,000,000 5. 100,000-200,000 6. 200,000-500,000 [D3116a] Did your family take a loan or borrow money to buy stock? 1． Yes
2． No（skip to[D3117]）
[D3116b] How much money is still owed?（Unit: RMB） （If respondent doesn’t know, please mark -9） [D3117] Last year how much after-tax income did your family make from changes in stock price or dividends？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[D3117it]) [D3117it] By your estimation your family’s pretax income to be 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 11. 10,000,000 5. 100,000-200,000 6. 200,000-500,000
(IV) Bonds [D4101a] Your family has which of the following assets？（Can Choose Multiple） 1. Bonds 2. Funds（skip to[D5103]） 3. Derivatives（skip to[D6103]） 4. Financial Products（skip to[D7103]） 5. None（skip to[D7112a]）
49
Note: If the respondent has multiple choices, then ask about each financial asset seprately [D4101] Currently, your family has which of the following bonds？【CardB31】 1． Treasury Bills 4． orporate bonds 5． Other bonds （ Please 2． Local Government Bonds Specify） 3． Financial bonds [CAPI]: cycle [D4101] selected options [D4103] What is the total face value of the [CAPIload bond name] that your family holds？ 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D4103 it]） [D4103 it] What 【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] Below we would like to learn about your family’s largest [CAPIload bond name] situation. In what year was it bought? [D4106] [CAPI load bond name]deadline is in how many years？ [D4108] What is the [CAPIload bond name] face value？【Method of Inquiry】 [D4110] [CAPIload bond name]yearly interest rate is how much？ Break circle (跳出循环) [D4110a] Did your family take loans or borrow money to buy bonds? 2． No（skip to[D4111]） 1． Yes [D4110b] How much money is still owed?（Unit: RMB） （If respondent doesn’t know, please mark -9） [D4111] Last year, what ？（Unit: RMB） （if respondent doesn’t know, then mark-9） Go back to [D4101a]
50
(V) Fund [D5103] Does several funds that hold your home? （If respondent doesn’t know, please mark -9） [D5104] Your family has what kind of funds？（Can Choose Multiple） 【CardB34】 1. Stock 4. Hybrid 2. Bond 5. Other（Please Specify） 3. Money Market Fund [D5105] How long has your family been invested in this fund? (Unit: Month) （If respondent doesn’t know, please mark -9） [D5107] What is the current market value of these funds?（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D5107 it]） [D5107 it] The 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 the fund? 2． No（skip to[D5109]） 1． Yes [D5108b] How much still needs to be re-paid? （If respondent doesn’t know, please mark -9） [D5109] Last year, what was your family’s after tax gains/losses, dividend or interest payments? （Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[D5109it]) [D5109it] By your estimation what is your after-tax income from gains/losses in fund price ? 【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 51
Go back to [D4101a]
(VI) Derivatives We would like to learn about which financial derivative products your family owns? [D6103] Does your family own futures? 1． Yes 2． No (skip to[D6107]) [D6104] What are the varieties of these futures?（Can Choose Multiple）【CardB41】 1. Copper 12. Linear low density 2. Aluminum polyethylene 3. Zinc 13. Rapeseed oil 4. Precious metals futures 14. Wheat (Gold, silver, platinum, 15. Cotton palladium, etc.) 16. Cotton 5. Natural Rubber 17. PTA(purified 6. Fuel Oil terephthalic acid) 7. Corn 18. Stock Index Futures 19. Foreign Exchange 8. Soybean（1#，2＃ ） 9. Soybean meal Futures 10. Soybean oil 20. Interest Rate Futures 11. Palm oil 21. Other（Please Specify） Interviewer Note; The total market value of the futures here, ask the respondents to tell the value of each individual future, add your own total? [D6106a] What are these futures currently worth?（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D6106a it]） [D6106a it] The market value of these futures is proably in which of the following ranges？【Card R6】 1. Under 5,000 7. 500,000-1,000,000 2. 5,000-20,000 8. 1,000,000-2,000,000 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
[D6107] Does your family own warrants？ 1． Yes 2． No (skip to[D6112])
52
Interviewer Note: Ask the total market value of the warrants here, ask the respondent the market value of each warrant, add your own total. [D6110] Currently, what are your investment？（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D6110 it]） [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
Interviewer Note：This question doesn’t 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]) Interviewer note: here ask the total market value of other derivative products, have them list the value of each derivative, add your own total. [D6115] What are these derivatives now worth？（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D6115 it]） [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 11. 10,000,000 5. 100,000-200,000 6. 200,000-500,000 Interviewer Note: The questions asked of the respondent families refer to all financial derivatives, including futures warrants, etc. [D6115a] Did your family borrow money or take loans to purchase these financial derivatives? 2． No（skip to[D6116]） 1． Yes [D6115b] How much does your family still owe? （If respondent doesn’t know, please mark -9） [D6116] Last year, what was your homes after-tax income from derivatives? （Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[D6116it]) [D6116it] By your estimation, your after-tax income was in which of the following ranges? 【Card R5】 53
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 1,000,000-2,000,000 2,000,000-5,000,000 5,000,000-10,000,000 10,000,000
Return to [D4101a]
(VII) Financial Products Interviewer Note: Financial products do not include the previously mentioned deposits, funds bonds, equities, derivaties, etc, no need to include business assets, real estate, cars, personal property, art and other kinds of wealth management property. Financial planning products include, financial brokerage collection, trust.
[D7103] Does your family have financial products? 1． Yes 2． No（skip to[D7107]） [D7104] These are boughten from which institutions?（Can Choose Multiple）[CAPI] List of banks Interview Note: These questions refer all family members’ financial product investments, rather than a single bank finacial product or a single person. If respondents reply with each individuals’ investments in financial products, add your own total. [D7105] In total how much money did your family invest in financial products?（Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t know, please mark -9) [D7106a] What is the current value of the financial products your family holds？（Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know or is unwilling to answer then ask[D7106a it]） [D7106a it] The current market value of these financial products falls in ranges？【Card R6】 1. Under 5,000 4. 2. 5,000-20,000 5. 3. 20,000-50,000 6.
which of the following 50,000-100,000 100,000-200,000 200,000-500,000 54
7. 8. 9.
500,000-1,000,000 1,00,000-2,000,000 2,000,000-5,000,000
10. 5,000,000-10,000,000 11. 10,000,000
[D7107] Does your family have other financial products, for example financial planning products， trusts, and so on. 1． Yes 2． No（skip to[D7111a]） Interviewer Note: In these questions “other financial planning products” does not include other financial products. If respondents reply with each individual investment finacial products, add your own total. [D7108] In total how much money has your family invested in other financial products?（Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t know, please mark -9) [D7110] Currently, what is the total value of other financial products held by your family？（Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t know or is unwilling to answer then ask[D7110it]) [D7110 it] The value of these other financial products falls 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 Interviewer Note: This question referring to “financial products”, includes financial products, financial brokerage, asset management, collections, trusts, etc. “financial planning products” [D7111a] Did your family take a loan or borrow money to purchase these financial products? 2． No（skip to[D7112]） 1． Yes [D7111b] How much money still needs to be paid back? （If respondent doesn’t know, please mark -9） [D7112] Last year, what was your family’s after-tax income from these financial products？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[D7112it]) 55
[D7112it] By your estimation what 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 11. 10,000,000 5. 100,000-200,000 6. 200,000-500,000 [D7112a] Why didn’t your family purchase [CAPIload [D4101a] not option（other than 5）]？ （Can Choose Multiple） 【CardB32】 1．Too risky 7．No knowledge 2．Income is too low 8．Afraid of being cheated 3．Period is too long 9．Never heard of them 4 ． Minimum subscription 10．Limited funds amount is too high 11 ． Other reasons （ Please Specify） 5．Don’t know how to buy 6．Cumbersome procedures
(IIX)
Non-RMB Denomonated Assets
[D8101] Does your family hold any non-rmb assets？For example foreign currency deposits, foreign currency cash, B/H shares, etc. 1. Yes 2. No（skip to[D9101]） [D8102] What forms of non-rmb assets are there？（Can Choose Multiple） 【CardB42】 1. Foreign currency deposits 5. Ban Forex products 2. Foreign notes/foreign 6. Non-bank forex products currency 7. Foreign stocks/ bonds 3. B shares 8. Other（Please Specify） 4. H shares [CAPI]circle [D8102]selected assets [D8104] Currently，what is [CAPIloadD8102 select asset name] approximately worth? Method of Inquiry】 （Please list the RMB equivalents；If respondent doesn’t know or is unwilling to answer then ask[D8104a it]） [D8104 it] [CAPIloadD8102 the name of the selected assets] falls in which of the following ranges？【Card R5】 1. Under 5,000 3. 20,000-50,000 2. 5,000-20,000 4. 50,000-100,000 56
5. 6. 7. 8.
100,000-200,000 200,000-500,000 500,000-1,000,000 1,00,000-2,000,000
[D8104a] What Unit?： 1. RMB 2. USD 3. HK Dollar
9. 2,000,000-5,000,000 10. 5,000,000-10,000,000 11. 10,000,000
4. Euro 5. Yen 6 Other（Please Specify）
Interviewer Note: This question refers to the respondent’s families’ income from non-financial RMB denominated assets. [D8105a] Did you take home loans or borrow money to buy non-RMB assets? 2． No（skip to[D8106]） 1． Yes [D8105b] How much is left on your home loan or borrow money to buy this asset? （If respondent doesn’t know, please mark -9） [D8106] Last year, what was your families after tax income from these non-rmb denominated assets？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[D8106it]) [D8106it] By your estimate the after tax income from non-rmb denominated assets 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
(IX) Gold [D9101] Does your family own gold? Including paper gold, physical gold, but does not include gold jewelry. 1. Yes 2. No（skip to[K1101]） [D9102] How much money has your family invested in gold? 【Method of Inquiry】 (Convert to RMB equivalent；If respondent doesn’t know, please mark -9)
57
[D9103] Calculate the current price of gold, how much is your family’s gold worth？【Method of Inquiry】 (Please record RMB equivilant；If respondent doesn’t know or is unwilling to answer then ask[D9103 it]) [D9103 it] The market value of your family’s gold falls into which of the following ranges？【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 doesn’t 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 family’s 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] What is the current amount of the cash your family holds？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[K1101 it]) [K1101 it] The gold your family owns falls approximately into which of the following ranges？【Card R7】 1. Under 2,000 5. 50,000-100,000 2. 2,000-5,000 6. 100,000-500,000 3. 5,000-20,000 7. Over 500,000 4. 20,000-50,000
(XI) Lending Interviewer Note: “Other people” as defined by the survey refers to people outside of 58
your family and institutions. [K2101] Currently, does your family have loans given our to “other people”? Here other people refers to those outside the family structure and institutions. 1． Yes 2． No（skip to[E1001]） [K2102a] What is the total amount they have leant out? Below, 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 close relatives
5． Friend/Collegue 6． Non-Governmental financial organizations 7． Other（Please Specify）
[K2105] What is the interest rate? [K2106] Do you worry about not getting paid back? 1. Yes 2．No [K2106a] After how long do you expect to recover the loaned funds? (Unit: Months) [K2107] Last year, how much of the loan was repaid？（Unit: RMB） （if respondent doesn’t know, then mark-9；if no interest, mark 0） [K2108] Last year how much interest income did your family receive from these loans？（Unit: RMB） If none then record zero.
59
(3) Other Debts Display：Below, we would like to gain an understanding of your family’s other debts, let us begin with student loans.
(I) Student Loans [E1001] So far, have any family members take out student bank loans? 1． Yes 2． No（skip to[E1020]） [E1005] How many？ （If respondent doesn’t know, please mark -9） [E1006] The [CAPIloadE1005] still has how much owed？（Unit:10,000 RMB） （If respondent doesn’t know, please mark -9） [E1007] Last year how much interest was paid on the [CAPIloadE1005] student loan？（Unit: RMB） （If respondent doesn’t know, please mark -9） If E1005>1，Display：Now we would like to ask about your family’s student loan? [E1008] When was this student loan taken out?
largest
[E1009] Is this loan a National Education Loan or a Commercial Education Loan? 1. National Education Loan 2. Commerical Education Loan [E1010] Which bank was this loan taken from? [CAPI] Display bank list [E1011] What is this loan used for?【CardB46】 1. Tuition 2. Housing 3. Living Expenses 4. Housing, tuition
5. 6.
Tuition, housing and living expenses Study abroad costs
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Interviewer note: 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 aborad then record the sixth option. [E1012] What was the total amount of student loans taken？（Unit: RMB） （If respondent doesn’t know, please mark -9999） Interviewer Note: 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 student loan period？ （If respondent doesn’t know, please mark -9） [E1014] What is the interest rate on this student loan？（Unit: %） （If respondent doesn’t know, please mark -9）
Other Financing [E1020] Currently, in addition to bank loans and student loans, has your family borrowed money from other people or organizations? 1. Yes 2. No（skip to[E2001]） Interviewer Note: Here “other people” and institutions refers 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 borrowed？（Unit: RMB） （If respondent doesn’t know, please mark -9） [E1022] How much is still owed on this/these loan(s)？（Unit: RMB） （If respondent doesn’t know, please mark -9） [E1023] Do you have to pay interest on these loans? 1． Yes 2． No（skip to[E2001]）
61
[E1024] What was the total amount of interest paid on these loans last year? Unit: RMB） （If respondent doesn’t know, please mark -9）
Display：Below we would like to learn about your family’s credit card situation.
(II) Credit Cards [E2001] When you and your family shop, what is your typical method of payment? Can Choose Multiple）【CardB49】 1. Cash 5. Coupons/Gift Cards 2. Debit Card 6. Third Party Payments (ex PayPal) 3. Credit Card （ skip to[E2003]） 7. Other（Please Specify） 4. Quasi-Credit Card
[E2002] Does your family have a credit card? Inactive cards are not included. 1. Yes 2. No（skip to[E2016]） [E2003] Who in your family regularly uses this card? Primary and secondary cards, only count the primary holder. (Choose up to 2)【Card A1】 1. Respondent 2. Spouse or Partner 3. Parents 4. Wife’s parents/ husband’s parents 5. Grandparents/Grandparents 6. Children 7. daughter-in-law/ son-in-law 8. Grandson/Granddaughter 9. Granddaughter’s Husband/Grandson’s Wife 10. Brothers and Sisters 11. Other（Please Specify） [E2004] What does your family mainly use the credit card for？（Can Choose Multiple） 【CardB50】 1. Daily life, tourism, 3. Consumer advances business travel, 4. Overdraft 2. Access to interest free 5. Other（Please Specify） credit [E2005] How does your family normally pay of credit card debts？【CardB51】 62
2. 3. 4.
Repay minimum amount Pay the amount due Prepay
5. 6. 7.
Defer Repayment Stopped paying Other
Interviewer Note:[CAPI Note] for E2003 choose the corresponding family members， and ask the following questions. If these family members have more than one credit card, then ask for a summary of their cards information. *************************** #1：Corresponding to the first person #2：Corresponding to the second period *************************** Credit Card Info Select Family Member Code
4Digit [E2009] [E2009a]
【CAPIloadE2003 select result】when was this card signed up for？ （Please record 4 digits；If respondent doesn’t know, please mark -9； if more than one card then ask about the most frequently used card）
[E2010]
Your【CAPIloadE2003 select results】is what bank’s credit card？ （If you have more than one then ask about the most frequently used card） Why did you select this bank’s credit card？（Can Choose Multiple）
[E2011]
【CardB52】 1. Onsight marketing, good gift 2. Reccomended by friend 3. Good online service 4. Affordable fees 5. Shopping discounts, etc 6. Many bank outlets, convenient locations 7. Interest-free period length, many reward points 8. High credit limit 9. Overdraft capability, large cash advances 10. Easy payments Other（Please Specify） Whats this 11. credit card’s limit?（Unit: RMB）
[E2013] [E2014]
（If respondent doesn’t know, please mark -9） Can you take cash advances on this credit card？ 1. Yes 2. No
What were your credit card fees last month？（Unit: RMB） （If respondent doesn’t know, please mark -9） [E2015] How much is owed to the bank on this card？ （If respondent doesn’t know, please mark -9） If you have asked of all credit then skip to[E3001] [E2016] Why don’t you havecards a credit card？【CardB53】 63
01
02
1. Like spending cash （skip to[E3001]） 2. Do not understand credit card （skip to[E3001]）
3. No way to repay （skip to[E3001]） 4. Would like to use, but was rejected 5. Other（Please Specify）
[E2017] In total how many credit cards has your family applied for? （If respondent doesn’t know, please mark -9） [E2018] What do you think the banks main reason for rejection was? ？【CardB54】 1. Income unstable or 5. Nature of work inadequate 6. Other（Please Specify） 2. Bad credit history 7. Reasons unclear 3. No credit history 4. Family assets insufficient
(III) Other [E3001] In addition to the previously mentioned housing, automotive, commercial, education, and credit card finaincing, has your family taken out any other loans or borrowed? 1. Yes 2. No（skip to[F1001]） Interviewer Note: In addition to the aforementioned debts, including housing debt, auto debt, commercial debt, eductational debt and credit card debt, the interviewer should look at accounts payable as credit and classify that as a liability. [E3003] What is the purpose of these debts？（Can Choose Multiple）【CardB55】 1. Small daily consumption 9. Lend to friends or 2. Large Consumer Durable relatives Good 10. Lend to others 3. Weddings 11. Lend money to 4. Married Women non-governmental 5. Funeral financial institutions 6. Doctor 12. Other（Please Specify） 7. Travel to work 8. Pay old debts [E3004] What are the sources of these debts？（Can Choose Multiple）【CardB56】 1. Bank/Credit 4. Consmer finance 2. Pawn company 3. Lenders 5. Guarantor company 64
6. 7. 8. 9. [E3005] Why 【CardB57】 1. 2. 3. 4. 5.
Finance company Trust Other financial institutions Close relatives
10. Distant relatives 11. Friends/ Colleagues 12. Non Financial organizations (Don’t Know, mark -9)
did you select this institution or person to borrow from？（Can Choose Multiple） Low interest rates Low fees Simple procedure Low threshold Good Personal relationship
6. 7. 8.
Do business with them No choices Other Reasons （ Please Specify）
[E3006] What is the total amount of these loans? Unit: RMB） 【Method of Inquiry】 （If respondent doesn’t know, please mark -9） [E3007] Last year how much interest did your family pay? （Unit: RMB） （If respondent doesn’t know, please mark -9；if this is a no interest loan，please mark 0） [E3008] How much money does your family still owe on these loans？（Unit: RMB） （If respondent doesn’t know, please mark -9）
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Part 3: Insurance and Social Welfare (Please Note: In this part all questions refer to those over the age of 21, this includes those working, retired and their spouses) Display：Below we would like to learn about your family members’ social welfare situation
(1) Social Welfare (I)
Social Welfare, Insurance and Annuity
Interviewer Note: Only ask family members who are either working or retired. In accordance wth the survey load family members who are eligible and ask in turn. Here social welfare 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 welfare? 1. Social Welfare 2. Retired/Retirement payroll（skip to[F1019]） 3. None（skip to[F1026]）
[F1002]
Does【CAPI LOAD NAME】participate in social welfare? 1. Basic Social Welfare 2. New Rural Social Welfare
01
02
03
04
05
06
07
08
66
67
[F1003]
Has【CAPIload[F1002] option name】begun to receive benefits？ 1. Yes 2. No （ If [F1002]=1 ， then skip to[F1007] ； if [F1002]=2，thenskip to[F1014]）
[F1004]
What year did it start?
[F1005]
Last month how much money did you receive from social welfare？ （Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[F1005it]) →skip to[F1026]
[F1005it]
The amount of social welfare receive 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 7．20,000-50,000 8．Over 50,000 →skip to[F1026]
[F1007]
Who pays the premium? 1. Respondent and work unit both pay part 2. Respondent pays all 3. Work unit pays all （skip to[F1010]）
[F1008]
Last month how much did you pay?（Unit: RMB）
[F1010]
How much is your personal social welfare worth？（Unit: RMB） （If respondent doesn’t know or is unwilling to answer then ask[F1010 it]）
[F1010 it]
Your personal social welfare’s value 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]
Have your social welfare payments been interrupted? 1. Interrupted 2. No interrupted（skip to[F1026]）
[F1012]
What was the reason for the interruption？【CardC2】 1. Unit stopped payment 5. Has been paid for 15 years 2. Job Changes/ Resignation 6. Gov’t subsidy too small 3. No money to pay 7. Other（Please Specify） 4. Believe payment is not worth benefits
68
[F1013]
The total interruption was how many months? →skip to[F1026]
69
[F1014]
In what year did you start to participate in new rural social welfare?
[F1015]
Last year were your new rural social welfare payments interrupted? 1. Interrupted（skip to[F1018]） 2. Not interrupted （skip to[F1016]） 3. Paid once
[F1016a]
How much is each payment ？ （ Unit: RMB ）（ skip to[F1026]）
[F1016]
Last year how much was paid for the new rural social welfare？（Unit: RMB）
[F1017]
Last year how much did the government contribute through grants？（Unit: RMB） →skip to[F1026]
[F1018]
What was the reason for the interruption of payments？ 【CardC3】 1. No money to pay 4. Procedure too hard 2. Think paying again isn’t worth it 5. Payment late 3. Government subsidy is too small 6. Other （Please Specify） →skip to[F1026]
[F1018a]
Currently what is the balance of your family’s new rural insurance account? （If respondent doesn’t know or is unwilling to answer then ask[F1018a it]）
[F1018ait]
The balance of your family’s 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]
Has retirement pay started yet? 1. Yes 2.No （ skip to[F1026]）
[F1020]
Are you currently retired or retired with benefits？ 1 ． Retire with benefits 2 ． retired （ skip to[F1023]）
[F1021]
In which year did you retire?
[F1022]
How much was last months retirement payment（Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t know or is unwilling to answer then ask[F1022it]) →skip to[F1026] 70
71
[F1022it]
The payment you received last month fals 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
[F1023]
What type of retirement is this？【CardC4】 1． Normal retirement 2． Early retirement 3． Back working, after normal retirement 4． 内退，but has not officially retired 5． Left position 6． Other
[F1024]
In what year did you retire?
[F1025]
What amount of retirement benefits did you receive last month？ （Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t 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 an annuity? 1. Yes 2. No（skip to[F1032]）
[F1027]
Have you already begun receiving the annuity payments? 1. Yes 2. No（skip to[F1029]）
[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 contributeto the annuity?（Unit: RMB）
[F1031]
Currently how much is in your personal annuity？（Unit: RMB） （If respondent doesn’t know or is unwilling to answer then ask[F1031 it]） 72
[F1031 it]
The current value of your 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
[F1032]
Currently what is the most important form of safety net? CardC5】 (Only ask of family members over 40) 1.Child Support 2.Savings, investment 3.Social welfare 4.Retirement pay 5.Commercial Insurance 6.Support of spouse or relative 7.Other（Please Specify）
(II) Medical Insurance Interviewer Note: [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]
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Does your family currently have social health insurance? This does not include commercial health insurance. 1． Yes（skip to[F2003]） 2．No
[F2002]
Why don’t you have health insurance? （ Can Choose Multiple ） 【CardC6】 1 ． Premiums too high, cannot afford 2． Good health, no need 3． Unit will not accept 4． Low reimbursement 5． Coverage too small →skip to[F2019]
6． Difficult to get reimbursed 7． No need, have other forms of support 8． Other（Please Specify）
[F2003]
What form of medical insurance is currently most important to you？【CardC7】 1． Public Health 2． Unit reimbursement 3． Basic Medical Insurance for Urban Workers 4． Basic Medical Insurance for Urban Residents 5． New rural cooperative medical insurance 6． Student Health Insurance 7． Coordiantion for serious medical diseases 8． Medical Assistance 9． Red Army, retired cadre’s and spouses and widows medical insurance 10．Other（Please Specify）
[F2004]
What was the total number of premiums paid last year？ （Unit: RMB）
[F2005]
Is the medical insurance a personal account? 1．Yes 2. No(skip to[F1029]) 74
75
[F2006]
How much does that account currently have in it？（Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t know or is unwilling to answer then ask[F2006 it])
[F2006 it]
The health insurance account balance 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, what did all of your family’s medical expenses total? (not including healthcare expenses -保健)（Unit: RMB） 【Method of Inquiry】 →If [F2001]=2，skip to[F2021]
[F2020]
How much of the above medical expenses went to pay medical insurance？（Unit: RMB）
[F2021]
Compared with their peers ， how is 【 CAPI LOAD NAME】physical condition？ 1. Very Good 2. Good 3. Normal 4. Bad 5. Very Poor
(III) Unemployment Insurance Interviewer Note：[F3001]- [F3005] Asked of all adults (over 16) who have family members who collect unemployment insurance. [F3001]
Does 【 CAPI LOAD NAME 】 have unemployment insurance？ 1. Yes 2. No
[F3002]
Did you lose your job last year? 1. Yes 2. No（skip 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? 1．Yes 2．No（skip to[F4001]）
[F3005]
Las year what was the total amount of unemployment insurance recieved？（Unit: RMB） 【Method of Inquiry】
(IV) Housing Fund Interviewer Note:[F4001]- [F4011] ask all non-retired personnel about their housing funds.
[F4001]
Please ask if【CAPI LOAD NAME】 has a housing fund？ 1. Yes 2. No（skip to[F6001]） 76
77
[F4004]
Is this fund currently paying out？ 1． Yes 2． No（skip to[F4007]）
[F4005]
Last year what was the average montly payment ？（Unit: RMB） (If respondent doesn’t know or is unwilling to 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 been receiving these payments？(Unit: Month) (if over a year, please ask staff to give the total months)
[F4008]
How large are these payments currently? （Unit: RMB） 【Method of Inquiry】 (If respondent doesn’t know or is unwilling to answer then ask[F4008 it])
[F4008it]
In which of the following ranges do the？【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 withdraw from or use your/his/her housing fund? 1． Yes 2． No（skip to[F6001]）
[F4010]
For what reason was the hosuing fund used? ？【CardC14】 1． Purchase housing 2． Housing construction, repair and renovation 3． Payment of home loans (interest, principal) 4． Pay rent 5． Retired 6． Termination of unit labor relations 7． Invest in stocks, etc 8． Emigrate 9． Other（Please Specify）
[F4011]
Last year what was the total amount taken from the housing fund？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[F4011it]) 78
[F4011it]
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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 Interviewer Note: Ask all family members about their commercial insurance status. Display: Below, we would like to learn about your family’s use of commercial insurance. [F6001]
Does【CAPI LOAD NAME】have any of the following forms of commercial insurance？【CardC15】 1. Business Life Insurance（skip to[F6101]） 2. Commercial Health Insurance（skip to[F6201]） 3. Commercial Pension Insurance（skip to[F6301]） 4. Commercial Property Insurance （ excluding car insurance） （skip to[F6401]） 5. Other Commercial Insurance（skip to[F6501]） 6. None（skip to[G1001]） Interviewer Note: If the respondent chose more than one, then ask about the forms of insurance separately.
(I) Business Life Insurance [F6101]
Who bought life insurance fro【CAPI LOAD NAME】? 1. His/Herself 2. Family 3. Work Unit
[F6102]
Who are the beneficiaries？（Can Choose 6 ． Daughter’s son Multiple） /daughter’s daughter 【CardC16】 7. wife’s 1. Respondent parents/husbands parents 2. Spouse 8. son-in-law/daughter-in-law 3. Father/Mother 4. Son/Daughter 9. Other relative 5． Brothers and sister 10. Not set
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[F6103] [F6104]
What is the total amount of （Unit: RMB） What type of insurance? 【CardC17】 1. Life Insurance 2. Death Insurance 3. Life endowment insurance 4. Dividend insurance
the insurance? 5. Equity-linked insurance 6. Universal Life Insurance 7. Accidental Injury Insurance 8. Health Insurance 9. Other（Please Specify） 2. No（skip to[F6107]）
[F6105]
Is this dividend insurance？ 1. Yes
[F6106]
Last year what was the size of the dividend received from this policy？ （Unit: RMB） Does this insurance return the principal？ 1. 有 Yes 2.No（skip to[F6109]） 1．
[F6107] [F6108] [F6109]
[F6110]
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2． Last 没有 year what amount of the principal was returned？（Unit: RMB） How frequent are the payments？ 1. Monthly 4. Yearly 2. Twice a year 5. One time payment （ skip to[F6118]） 3. Quarterly 6. Other In the last five years, what was the average premium payment?（Unit: RMB） Interviewer Note: In the case that payments haven’t been made for five years, calculate the average based upon the time since insurance has been in effect.
[F6111]
For 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 claim? 1. Yes 2. No→return to[F6001]
[F6119]
How much was the claim？→Return to [F6001]
(II) Commercial Health Insurance [F6201] [F6202]
[F6203] [F6204]
Who bought 【 CAPI LOAD NAME 】 ’s commercial health insurance ？ 1． Self 2． Family 3． Work Unit What type of commercial health insurance？（Can Choose Multiple） 【CardC19】 1. Critical Illness Insurance 4. Long-term care insurance 2. insurance 5. Other Last Health year what was the total number of premiums paid？ 3. Income protection insurance （Unit: RMB） Last year what was the total amount of reimbursement？ （Unit: RMB）→return to [F6001]
(III) Commercial Pension Insurance [F6301]
Who purchased commercial pension insurance for【CAPI LOAD NAME】 ？ 1． His/herself 2． Family 3． Work Unit 82
[F6302]
Last year how much was paid in insurance premiums?
[F6303]
What was the total number of premiums paid last year？ （Unit: RMB） Last year, what was the total reimbursement
[F6304] [F6305]
[F6306] [F6307] [F6308]
amount from health insurance? （ Unit: RMB） Is this dividend insurance? 1. Yes 2.No（skip to[F6307]） Last year what was the size of the dividend received from this payment？ Have you started to receive pension insurance？ 1. Yes 2. wasNothe （ return Last month, what amount of pension to[F6001]） payments received？→ return to[F6001]
(IV) Commercial Property Insurance [F6401]
Other than car insurance, in total what forms of commercial property insurance does your family own? （Unit: RMB）
[F6402]
What is protected under this insurance ？ （ Can Choose Multiple） 【CardC20】 1. Housing 5.Farm Equipt. 2. Durables 6. Intangible Assets 3. Machine Tools 7. Other （ Please Specify） 4. Livestock
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[F6403] [F6404]
Last year what was the total amount of premium paid by your family?（Unit: RMB） Does this insurance have dividends? 1. Yes 2. No（skip to[F6406]）
[F6405]
Last year how much did your family receive from these dividends?
[F6406]
Last year in total how much did your insurance pay out to your family？ （Unit: RMB）→return to[F6001]
(V) Other Commercial Insurance [F6501] [F6502] [F6503]
What are the types of commercial insurance you own? Last year, how much did your family pay in insurance premiums?（Unit: RMB） Last year how much money did your insurance pay out to your family? （Unit: RMB）
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Part 4: Income and Expenditure (1). Consmer Spending of
Display：Next we would like to learn about your family’s expenditure, let us start from the beginning the last month’s expenditure：
[G1001] Last month how much did your family spend on meals, including meals eaten outside of the home? ( Unit: RMB) [G1002] How much of that amount was spent eating out? （Unit: RMB） （if you don’t know，fill -9；not willing to respond，mark-7） [G1003] Is your family engaged in agricultural production? 1. Yes
2. No（skip to[G1005]）
[G1004] If you consider the portion of your family’s expenditure last month that went to your agricultural production and market sale, how much money would these products bring at market？（Unit: RMB） [G1005] Last month, in total how much did you family spend on water, electricity, fuel fees, property management, and maitenance? （Unit: RMB） （If you don’t know，mark-9；not willing to answer，mark-7） Interviewer Note: Daily use products (such as detergent, soap, toothpaste, toothbrushes and other toiletries, etc) does not include food or clothing. [G1006] Last month how much did your family spend on daily use products? This includes the above mentioned toiletries and household items but does not include food or clothing. （Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） [G1007] Last month how much did your family spend on nannies, help, drivers and other domestic services？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） Interviewer Note: Here transportation cost only refers to local transportation costs and does not include personal travel related expenses. How much did your family spend last month on local transportation？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7）
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[G1008] Last month how much did your family spend on telephone, internet, network fees ？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） Interviewer Note: The following cultural and entertainment expenditures do not include playing cards, mahjong or other gambling related expenses. [G1009] Last month how much money your family spent on newspapers, magazines, CD’s, movie tickets, dance halls, cafes, and other entertainment related areas?（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7）
Display：The questions below refer to your familiy’s expenses last year ： [G1010] Last year how much did you spend on clothing？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） [G1011a] Last year how much did your spouse spend on clothing？（Unit: RMB） [G1011b] Last year how much did your kids spend on clothing？（Unit: RMB） [G1011] Last year how much did your family spend on housing renovation, maintenance or expansion？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） [G1012] Last year how much did your family spend on heating expenses？（Unit: RMB） [G1013] Last year how much did your family spend on color television sets, refrigerators, washing machines and other household durables？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[G1014it]) [G1014it] By your estimation how much did your family spen last year on color television sets, refrigerators, washing machines and other household durables? 【Card R9】 1. 2. 3. 4.
Under 5,000 5,000-10,000 10,000-30,000 30,000-50,000
5. 6. 7. 8.
50,000-100,000 100,000-200,000 200,000-500,000 Over 500,000
[G1014] Last year how much did your family spend buying brand name bags, calligraphy/art, luxury goods and other high end items?（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[G1015it]) [G1015it] By your estimation the amount your family spen on brand name bags, calligraphy/art, luxury goods and other high end items falls into which of the following ranges? 【Card R9】
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1. 2. 3. 4.
Under 5,000 5,000-10,000 10,000-30,000 30,000-50,000
5. 6. 7. 8.
50,000-100,000 100,000-200,000 200,000-500,000 Over 500,000
[G1015] Last year what did your family spend on education and training？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） →If A2012a=1 and A3001=1 ，ask G1016a，otherwise skip toG1017 [G1016a] How much of this amount was spent on study abroad？（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7） [G1016] Last year the how much money did your family spend on cars, motorcycles and other means of conveyance ？（Unit: 10,000 RMB） (If respondent doesn’t know or is unwilling to answer then ask[G1017it]) [G1017it] Last year the amount of money your family spent on cars, motorcycles and other means of conveyance falls into which of the following ranges? 【Card R4】 5. 200,000-500,000 _1. Under 20,000 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 Interviewer Note: Travel expenses include transportation, traveling and accommodation and other fees incurred when traveling at ones own expense. [G1017] Last year what was your family’s total travel expense？（Unit: RMB） (If respondent doesn’t know or is unwilling to answer then ask[G1018it]) [G1018it] The amount your family spent on travel last year falls into which of the following ranges? 【Card R9】 5. 200,000-500,000 _1. Under 20,000 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 [G1018] Last year how much did your family spend on health care? expenses.（Unit: RMB） （If don’t know, mark-9; not willing to answer, mark 7）
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This does not include medical
(2) Transfer Expenditure Interviewer Note: Display：Below we would like to gain an understanding of your family’s transfer expenditure situation, here “your family” refers to the aforementioned family members, here “non-family members” refers to any person outside your family unit and organizations with the exception of government. Interviewer Note: Cash assistance refers to direct transfers of cash used for medical insurance, school fees, and the giving of holiday gifts, birthday gifts and New Year’s money and other gifts. Non-cash refers to in-kind assistance aimed at helping alleviate the burden of housing or food needs. [G2001] Last year, did your family give more than 100 USD in cash or cash equivilents to non family members？ 1. Yes 2. No（skip to[G3001]） [G2002] What are the spending？（Can Choose Multiple）【Card D1】 1. Parents Husband/Grandson’s Wife 2. Wife’s father and 7. Brother/Sister mother/Husband’s father and mother 8. Other Relatives 3. Children 9. Non-relatives 4. Daughter-in-law/Son-in-l 10. Institution aw 5. Grandson/Granddaughter 6. Granddaughter’s
Last year, amongst the cash and cash equivelents given to non-family members, on the following list show what was given and its value, if a cash equivelent was given then list its cash value. [G2004a]Spring festival, Mid-Autumn Festival and other holiday expenses (including new years money) [G2004b]Weddings and Funerals (birthday money) ________RMB [G2004c]Education, health care, living expenses _______ RMB [G2004d]In addition to the above list other _______ RMB
(3) Other Expenses Interview Note: The aforementioned expenditures include; consumption expenditure (this section), property expenses (part II: assets), operations expenditure (part II: agricultural business), social welfare expenditure (part III: insurance and welfare), and transfer expenditure (this part). [G3001] Aside from the above expenditures, were there any expenses incurred last year that were not mentioned?
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this includes unforeseen incidents like playing cards, mahjong and other forms of gambling. 1. Yes 2. No（skip to[H1001]） [G3003 ]How much were they？（Unit: RMB） （If you don’t know，then mark -9，not willing to answer mark-7）
(4) Transfer Income Interviewer Note: Display：Below we would like to gain a better understanding of your family’s transfer income situation, here “your family” refers to the aforementioned family members, here non-family members refers to people and organizations outside your family, except for the government. Interviewer Note: Cash assistance refers to direct transfers of cash used for medical insurance, school fees, and the giving of holiday gifts, birthday gifts and New Year’s money and other gifts. Non-cash refers to in-kind assistance 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 last year? 1. Yes 2. No(skip to[H2001]) [H1002] Who was this gift given by？（Can Choose Multiple）【Card D1】 1. Parents Husband/Grandson’s Wife 2. Wife’s father and 7. Brother/Sister mother/Husband’s father 8. Other Relatives and mother 3. Children 9. Non-relatives 4. Daughter-in-law/Son-in-l 10. Institution aw 5. Grandson/Granddaughter 6. Granddaughter’s
Last year, amongst the cash and in-kind gifts received by your family, use the list below to mark the value of each gift, if non-cash, please convert to its cash equivilant. [H1004a] Spring festival, Mid-Autumn Festival and other holiday expenses (including new years money) [H1004b] Weddings and funerals (including births and burials)_______ RMB [H1004c]Education, medical and living expense assistance_______ RMB [H1004d]Inheritance______ RMB [H1004e]In addition to the above list other forms of transfer incom（Please Specify）________ RMB
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Interviewer Note: 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 below subsidies or government grants? Subsidies here do not include those previously mentioned agricultural subsidies. (Can Choose Multiple)【Card D5】 6. Relief funds 1. Not Recieved（skip 7. Food subsidies to[H2003]） 2. Welfare Grant 8. Afforestation Grant 3. One Child Incintives 9. Other（Please Specify） 4. Five guarantee grants 5. Pensions CAPI：load[H2001]selected options [H2002] Last year，[CAPIload type] how much did you recieve？
(5) Other Income Interviewer Note: 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 business section), transfer income (part III: insurance). [H2003] In addition to the income listed above, has your family received income in any of the following ways？ 【Card D6】 5. Sale of gold 1. Gambling 2. Sale of a home 6. Playing cards, mahjong 3. Sale of a car 7. Other（Please Specify） 4. Sale of intellectual 8. None（skip to[H3001a]） property Interviewer Note: If in installments, just record last years earnings [H2004] Last year, what was [CAPIload[H2003] select options ] income？ (If respondent doesn’t know or is unwilling to answer then ask[H2004it]) [H2004it] His income was in which of the following ranges? 【Card R9】 1. 2. 3. 4.
Under 5,000 5,000-10,000 10,000-30,000 30,000-50,000
5. 6. 7. 8.
50,000-100,000 100,000-200,000 200,000-500,000 50,000
Interviewer Note: the following question only refers to the sale of homes and cars.
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[H2005] How much money was earned from the sale of [CAPIload[H2003] select options]?
(6) Other [H3001a] Last year, how did your family’s total expenditure compare with a normal year? 1. High 2. Low 3. Normal [H3002] If there was a surplus how was this money used？（Can Choose Multiple） 【Card D11】 5. Save for education (kids) 1. Housing 2. Purchase of financial assets 6. Save for marriage 3. Industrial investment 7. Buy big ticke items 4. Prepare for retirement 8. Other（Please Specify） [H3003] If there was a deficit, by which means will your family make up for it？（Can Choose Multiple）【Card D10】 1. Use past savings private finance group 2. Credit card advances 5.Bank loan 3. Credit 6.Sell Assets 4. Friends and relatives, 7. Other（Please Specify)
[H3004] Last year, was your family’s income high or low if compared with a normal year? 1. Higher 3. Even（skip to[H3007]） 2. Lower（skip to[H3006]） 【Card D7】 [H3005] Why was it higher？（Can Choose Multiple） 1. Investment Income 2. Sale of Assets 3. Business Income 4. Wages/Promotion/New Job 5. More hours, overtime, 2nd job 6. Started to work 7. Pension Buyout 8. Unconventional Subsidies from employer →skip to[H3007] [H3006] Why was it lower？（Can Choose Multiple） 【Card D8】
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9. Housing allowence increase 10. Changes in family structure/divorce 11. Social welfare/pension increases 12. Apply for a scholarship 13. Inheritance/gift/donation 14. Other（Please Specify）
1. Investment income decreased 2. Business revenue declined 3. Lower wages/ demotion 4. Less work hours, laid off 5. Stopped working/had kids/retired/ other 6. Sick, disabled
7. Change in family structure/ divorce 8. Donations/contributions 9. Legal proceedings 10. Reduced pension/social welfare/ assistance 11. Other（Please Specify）
In the last five years, has your family’s income grown relative to price increases or fallen? 1. Higher 3. Even 2. Lower [H3008] In the last five years, has your family’s spending increased or decreased relative to inflation driven price increases? 3.Even 1.Higher 2.Lower [H3007]
→End of the questionnaire
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Interviewer Summary Interviewer Note: After the visit, please fill in this part of the surevy with your own information. [J2000] When you visited the main respondents, was there an agent answering their behalf？ 1.
Yes
2.
No（skip to[J2001]）
[J2000a]What was this agents relationship to the family： 1.
Spouse or partner
2.
Parents
3.
Wife’s
-law 7.
Grandson/Granddaught er
parents/husbands
8.
Granddaughter’s
parents
Husband/Grandson’s
4.
Grandparents
Wife
5.
Children
9.
6.
daughter-in-law/Son-in
10. Other
Brothers and Sisters
[J2001] When you visited the main respondents aside from the agent was there anybody else present？（Can Choose Multiple）
1. Noone else (skip to[J2003] )
4.
2.
Respondent or spous
5. Other relatives
3.
Respondent’s parents
6. Other people present
Respodent’s parents
[J2002] During the survey were you interrupted?
1.
Yes, frequently
3.
2.
Yes, occasionally
No
[J2003] How receptive were the respondents to answering the questionnaire? 1. Very receptive
(skip to[J2005] )
5.
2. Receptive (skip to[J2005] )
end
3. Average
(skip to[J2005] )
4. Not
receptive
very
Receptive in the beginning, lees at the
(skip
6.
Not receptive at the beginning, but gradually became more receptive
to[J2005] ) [J2004] Why were the respondents reluctant to answer the questionnaire?（Can Choose Multiple） 1.
No interest
2.
Respondent lost focus, tired
3. Other(Please Specify)_
____ [J2005] When respondents were answering the questions did they need you to explain？
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1. Not needed
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？ 1.
No, did not understand at all
4.
Understood most
2.
Understood very little
5.
Understood almost all
3.
Occasionally understood
6.
Understood everything
Interviewer note：Please score 1-10 points ，1 is not as fluent as 10 [J2007] respondents Mandarin level： Interviewer note: Please score 1-10 point, 1 is poor, 10 is good [J2008] respondents appearance：
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