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泰国大城银行研究中心:2025泰国Z世代财务调研报告:金钱观念透视(英文版)(19页).pdf

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1、CoverResearch IntelligenceGen Z Finance Survey:Inside Gen Zs Money MindsetJune 2025Krungsri ResearchContentsContentsSubscribe UsDisclaimerUnless explicitly stated otherwise,this publication and all material therein is under the copyright of Krungsri Research.As such,the reuse,reproduction,or alterat

2、ion of this text or any part thereof is absolutely prohibited without prior written consent.This report draws on a wide range of well-established and trustworthy sources,but Krungsri Research can make no guarantee of the absolute veracity of the material cited.Moreover,Krungsri Research will not be

3、held responsible for any losses that may occur either directly or indirectly from any use to which this report or the data contained therein may be put.The information,opinions,and judgements expressed in this report are those of Krungsri Research,but this publication does not necessarily reflect th

4、e opinions of Bank of Ayudhya Public Company Limited or of any other companies within the same commercial group.This report is an accurate reflection of the thinking and opinions of Krungsri Research as of the day of publication,but we reserve the right to change those opinions without prior notice.

5、For research subscription,Introduction3Survey resultsRespondents demographic profile 4Income,expenditure and indebtedness5Saving and investment behaviors8Views on personal finances11Krungsri Research view16References18Ongoing technological progress,changing lifestyles and values,and a rapidly evolvi

6、ng business environment have together triggered significant global shifts in the financial system and in broader trends in consumer behavior.This is especially true for the younger generation,Generation Z or Gen Z,1/which has grown up in the shadow of the digital revolution.These individuals are now

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根据文章内容,主要概括如下: 1. **财务规划与储蓄**:Gen Z非常重视财务规划和储蓄,尤其注重为未来紧急情况储蓄,并开始为退休做准备。约70%的受访者每月都会储蓄或投资,平均储蓄率为19%,投资率为8%。 2. **消费与储蓄**:尽管Gen Z注重消费,但收入超过30,000泰铢的受访者也会为未来财务安全储蓄或投资。他们既注重储蓄,也接受投资风险。 3. **债务态度**:Gen Z倾向于避免长期债务,约60%的受访者有债务,但大多数不担心。他们更愿意承担小债务,但警惕大债务。 4. **收入来源**:约40%的受访者有多个收入来源,以降低劳动市场不确定性的风险。他们利用数字技术开拓新的收入渠道。 5. **购房购车态度**:约45%的受访者认为购车是负担,约30%的受访者有车贷。购房与租房的态度基本持平。 6. **成功观念**:约45%的受访者认为富有即成功,但随着年龄增长,这一比例下降。高收入者更担心退休金不足。 7. **储蓄目标**:Gen Z注重早期储蓄,88%的受访者认为早期储蓄对加速财富积累很重要。如果22岁开始储蓄和投资,平均需要13年积累100万泰铢。
Gen Z的财务规划如何? Gen Z如何看待消费与储蓄? Gen Z如何管理债务?
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