微众银行：2021年银行用户行为大调研（小微篇）（93页）.pdf

1、?2.1?2.2?2.3? 12?8 ?90 ?12 ?90 ?80 ? 7 ?457910121316192122?123919?80 ? 90 ?3.13.23.43.380 ?90 ? 9 ? ?3?30323335424446596265666950?2930355949?86878879808284?4.14.24.3?2021 ?2021 ?2017? ?2021 ? 12?8 ? 80 ? 90 ? ? ? 90? ? ? ? ? ? 36?4 ? 2?8 ?1 ? 62?4?45?0? ? 1 ? ?12? 1 ? 14 ? 2021 ? 11 ? 1 ? ? 2021 ? 4

2、 ? 15 ? 1694 ? 300 ? 12 ? ?2.1? 2?3 ?2? ? ? ? ? ? 12 ? 2-1 ?TOP 7?2021 ? , ?N=169438.1% 17.6% 14.6% 9.7% 8.1% 5.5% 4.4% ?3? 12.8 ? 2019 ? 11?3 ? 2021 ? 12?8 ?2021 ?66?8? 2019 ?65?5? 2-3 ?2019 ? /2021 ? ?2021 ? ? 30 ?20 ?2021 ?N=343? 0.9%2019 ?N=690? 0.0%21-25 ?26-29 ? 3.5% 16.3% 66.8% 12.5% 4.2% 24.

3、9% 5.4% 65.5%? 2-2 ?12.8 ?11.3 ?2019? ?N=690?2021? ?N=343? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?4? ? 2019 ? 6 ? 4 ? ? ? ? ? ? ? ? 2-4 ?2021 ?N=1663?N=164?N =371?N=196? ?N=295?N=330?N=307?73.8%26.2%55.0%45.0%57.3%42.7%50.8%49.2%51.0%49.0%68.5%31.5%? / ? / ?59.1%40.9%5? 2-5 ?2021 ?N=641? 54.3% 27.7% 20.8% 4

4、.7 % 13.7%?N=43?N=99?N=91?N=139?N=137?N=132? 47.0% 28.0% 22.0% 6.1% 15.2% 59.6% 25.3% 20.2% 5.1% 10.1% 49.5% 44.0% 19.8% 2.2% 15.4% 58.3% 25.9% 19.4% 5.8% 14.4% 56.9% 19.0% 18.2% 5.8% 13.1% 55.8% 34.9 % 32.6% 0.0% 9.3%6? 2-6 ?2021 ?N=343?1 ?1 ?-2 ?2 ?-5 ?5 ?-10 ?10 ? 51.6% 2.0% 9.3% 23.3% 10.5% 3.2%

5、?2021 ?N=343; ?N=169485.4%14.6%? 2-7 ?38.8%?35.3%?25.9%?8.2%? 9 ? 60? 300?7? 20? ? 8? ? 33?2? 2-8 ?2021 ? ,? / ?N=1351;?2021 ? ,? 2-9 ?56.0%?N=3919?33.2%?N=343? 11.5%?14.4%?74.1%?13.5%?45.6%?15.0%8? 2021 ?2.2?90 ?90 ? 90? ? ?80 ? 70 ? 60 ?70 ? 60 ?90 ? 2-10 ? TOP5?2021 ?70 ?N=693? 36.5% 21.1% 17.8%

6、10.5% 4.5%80 ?N=594? 31.8% 19.0% 19.0% 10.9% 7.1%90 ?N=166? 26.5% 17.5% 25.9% 9.6% 8.4%?N=1649? 33.2% 20.7% 18.3% 10.6% 5.3%60 ?N=284? 34.2% 25.4% 13.4% 10.9% 1.4%?9?12 ? 1-2 ? 12 ? 8 ? 12 ? 6 ?2019 ? 2020 ? 2-11 ?2021 ? ? 6-12 ? 12 ? 2 ? 6 ? 6 ? 2 ?N=164? 2.4% 51.2% 31.1% 11.6% 3.7%?N=371? 12.7% 36