Part 1: Descriptive Questions描述性信息 1. Have you invested your money in the past year? 在過去一年內您進行過有目的的投資嗎? A.Yes 是 B.No 否 C.Don’t know 不知道
2. Gender性別。 A.Male男性。 B.Female女性。
3. Age年齡。 A.<=18 B.19-29 C.30-39 D.40-49 E.50-59 F.>60
4. Marital status 婚姻狀況。 A.Single單身。 B.Married已婚。
5. Education教育。 A.Primary ?school ?小學生 B.Middle school C.High school ?高中生 D.Undergraduate 大學生 E.Graduate 研究生
6. Annual income年收入。 A.<=￥3,000 B.￥3,000-5,000 C.￥5,001-8,000 D.￥8,001-12,000 E.>￥12,000
7. Place of Live居住地。 A.Rural農村。 B.Urban城市。
8. How many hours do you use your smartphone on average per week? 您每周平均使用智能手機的時間是? A. Less than 7 hours (less than 1 hour per day) 少于7小時（每天少于1小時） B. 7–14 hours (1–2 hours per day) 7–14小時（每天1–2小時） C. 15–21 hours (2–3 hours per day) 15–21小時（每天2–3小時） D. 22–35 hours (3–5 hours per day) 22–35小時（每天3–5小時） E. More than 35 hours (more than 5 hours per day) 超過35小時（每天5小時以上）
9. If you suddenly lost your job, how long could you maintain your current lifestyle? 如果您突然失去工作，您認為可以維持多久的生活? A.Less than 1 month 少于1個月 B.1–3 months 1–3個月 C.4–6 months 4–6個月 D.More than 6 months 超過6個月
10. Which of the following statements describe your investment-related experiences or behaviors?以下哪些說法符合您的投資相關經歷或行為? A.I believe I can distinguish reliable financial information online.我認為自己具備良好的網上金融信息辨別能力。 B.I have made investment mistakes due to overconfidence.我曾因過度自信而在投資中犯錯。 C.I often rely on others’ suggestions before making investment decisions.我在做投資決策前常常依賴他人建議。 D.I tend to invest when I am in a bad mood.我在情緒不佳時容易進行投資行為。 E.I have experienced anxiety or insomnia due to investment losses.我曾因投資虧損而產生焦慮或失眠。 F.I frequently use my smartphone to check or manage my finances.我習慣使用智能手機查看或管理財務。 G.I think financial knowledge is helpful in my daily life.我認為理財知識對日常生活有幫助。
11. 您通常通過哪些渠道獲取投資相關信息? A.Financial websites (e.g., Sina Finance, Eastmoney) 財經類網站（如新浪財經、東方財富網） B.Social media platforms (e.g., Weibo, WeChat, Douyin) 社交媒體（如微博、微信、抖音等） C.News sections in investment apps (e.g., Xueqiu, iFinD) 投資類App內的資訊模塊（如雪球、同花順） D.Financial bloggers or self-media accounts 金融博主/自媒體 E.Professional advisors from banks or securities firms 銀行或證券公司的專業顧問 F.Recommendations from family or friends 家人或朋友推薦 G.Professional courses or lectures 專業課程/講座 H.Other其他
12. 您使用過哪些投資類App? A.支付寶 / 螞蟻財富 B.微信理財通 / 微眾銀行App C.同花順 D.東方財富 E.雪球 F.富途牛牛 G.老虎證券 H.京東金融 I.銀行App J.其他
13. 您使用投資類App的主要目的是什么? A.查詢市場行情 B.買賣股票、基金等金融產品 C.獲取投資資訊或策略 D.查看資產總覽或收益情況 E.參與社區討論或關注大V觀點 F.學習金融知識 G.其他
Part 2: quality of life生活質量 14. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
In most respects, my life closely aligns with my ideal vision of it.在大多數方面，我的生活是接近我的理想世界。
The overall conditions of my life are truly excellent.我的生活條件很好。
I feel a sense of satisfaction with my life as it currently stands.我對我的生活很滿意。
So far, I have gotten the important things I want in life到目前為止，我已經得到了生活中我想要的重要的東西。
If I could start life over again, I would change nothing如果我能重新開始生活，我什么也不想改變。
Part 3: Digital financial literacy 數字金融素養 Financial knowledge金融知識 15. If you receive $1,000,000 one year from now and the inflation rate remains at 3%, how much would you be able to buy compared to receiving the same amount today? 如果您在一年后收到100萬美元，且通貨膨脹率保持在3%，您能購買的商品相比于現在會: A.Less than today 比今天少 B.More than today 比今天多 C.Exactly the same 與今天相同 D.Depends on the type of thing I want to buy 取決于所購買的東西 E.Don’t know 不知道 F.Refused to answer 拒絕回答
16. You lend $100,000 to a friend one evening and he gives you $100,000 back the next day. How much interest has he paid on this loan? 您在一個晚上借給朋友10萬美元，第二天他歸還10萬美元。這筆貸款他支付了多少利息? A.0 dollars 0元 B.100 dollars 100元 C.1,000 dollars 1,000元 D.Don’t know 不知道 E.Refused to answer 拒絕回答
17. If $1,000,000 is deposited in a no-fee, tax-free savings account with a guaranteed 2% interest rate per year, how much will be in the account after one year? 如果100萬美元被存入一個免稅、無手續費、年利率2%的儲蓄賬戶中，一年后賬戶中將有多少錢? A.$1,020,000 一百萬零兩萬美元 B.$1,000,000 一百萬美元 C.$1,002,000 一百萬零兩千美元 D.Don’t know 不知道 E.Refused to answer 拒絕回答
18. How much will be in the account at the end of five years? 五年后賬戶中將有多少錢?（假設沒有手續費和稅費扣除） A.More than $1,100,000 超過110萬美元 B.$1,100,000 正好為110萬美元 C.Less than $1,100,000 少于110萬美元 D.Can’t tell with the given information 無法根據提供信息判斷 E.Don’t know 不知道 F.Refused to answer 拒絕回答
19. Investment with high returns comes with relatively high risk. 高收益的投資通常伴隨較高的風險。 A.Yes 是 B.No 否 C.Don’t know 不知道 D.Refused to answer 拒絕回答
20. High inflation means the cost of living rises rapidly. 高通脹意味著生活成本迅速上升。 A.Yes 是 B.No 否 C.Don’t know 不知道 D.Refused to answer 拒絕回答
21. Buying multiple stocks can help reduce investment risk. 購買多只股票有助于降低投資風險（例如，降低全部虧損的可能性）。 A.Yes 是 B.No 否 C.Don’t know 不知道 D.Refused to answer 拒絕回答
Digital literacy 數字素養 22. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I know how to authenticate myself on digital devices using text messages, KakaoTalk, or biometric authentication我知道如何通過短信、KakaoTalk 或生物識別技術在數碼設備上進行身份驗證
I know how to connect digital devices to the internet using Wi-Fi我知道如何通過 Wi-Fi 將數碼設備連接到互聯網
I know how to install programs/applications on computers or smartphones我知道如何在電腦或智能手機上安裝程序/應用程序
I know how to sign up for websites or smartphone apps and manage accounts我知道如何注冊網站或智能手機應用程序并管理帳戶
I know how to log in to internet websites or smartphone applications我知道如何登錄互聯網網站或智能手機應用程序
Digital financial service awareness數字金融服務意識 23. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I know that I can do banking tasks through internet banking or smartphone apps我知道我可以通過網上銀行或智能手機應用程序進行銀行業務
I know that I can do investment tasks through securities company websites or smartphone apps我知道我可以通過證券公司網站或智能手機應用程序進行投資業務
I know that loans are possible online or through apps without visiting in person我知道可以通過線上或應用程序進行貸款，無需親自到場
I know that it’s possible to pay fees using online payment or simple payment systems我知道可以使用在線支付或簡易支付系統支付費用
I know the purpose and usage of online/mobile simple payment systems我知道網上/手機簡易支付系統的用途和使用方法
Practical know-how of digital financial services 數字金融服務的實際操作能力 24. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I can sign up for digital financial services through smartphone apps我可以通過智能手機應用程序注冊數字金融服務
I know how to handle websites or apps related to digital financial services我知道如何操作與數字金融服務相關的網站或應用程序
I can perform basic financial transactions through digital financial services我可以通過數字金融服務進行基本的金融交易
I can use smartphone simple payment functions我可以使用智能手機簡易支付功能
I can contact customer service to resolve issues if an error occurs in digital financial services如果數字金融服務出現錯誤，我可以聯系客服解決問題
Self-protection against digital financial fraud 防范數字金融欺詐的自我保護能力 25. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I know how to avoid unnecessary fees when conducting online/mobile financial transactions我知道如何避免在進行在線/移動金融交易時產生不必要的費用
I can identify bait products in online/mobile financial transactions我能識別在線/移動金融交易中的誘餌產品
I pay attention to password management for logging into digital financial services我注重數字金融服務登錄密碼的管理
I regularly check with malware detection programs我會定期使用惡意軟件檢測程序進行檢查
I have the ability to identify and avoid voice phishing我能夠識別并避免語音釣魚攻擊
Part 4: Investment decisions 投資決策 26. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
In most cases my investment decisions support my investment objectives在大多數情況下，我的投資決策支持我的投資目標。
My reactions towards losses are normal我對損失的反應是正常的。
Usually, I get my expected return on my investment decision通常，我的投資決策會得到預期的回報。
I have risk tolerance towards my investment decisions我對自己的投資決策有風險承受能力。
My investment holding periods are spread over long span of time我的投資持有期分布在很長的一段時間內。
This is a screening question, please select the one you most disagree with這是一道篩選題，請選擇最不同意。
Part 5: Financial stress 27. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I often experience serious worries about my finances.我經常對自己的財務狀況感到十分擔憂。
I am unable to do the things I enjoy because I don’t have enough money.因為沒有足夠的錢，我無法做自己喜歡的事情。
There are times when I cannot afford to do the things I need to do because of a lack of money.有時候，我因為缺錢而無法負擔自己需要做的事情。
I struggle to manage on the money I currently have.我很難用現有的錢來維持生活。
Part 6: Behavioral bias Herding Bias 從眾偏差 These items assess your tendency to follow others’ decisions or crowd behavior in investment contexts.以下陳述用于衡量您在投資過程中是否存在從眾行為的偏差。 28. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I tend to follow social blogs/forums before purchasing or selling a security. 在購買/出售證券之前，我傾向于關注社交博客/論壇。
I tend to follow others in most of my investment decisions. 我在大多數投資決策中都有跟隨他人的傾向。
When I lose money on an investment, I feel less disappointed if other investors also experienced the same loss. 當我在一項投資上賠錢時，如果其他投資者也虧損，我就不那么失望。
I prefer to invest in assets that are popular among other investors. 我更愿意投資那些受其他投資者歡迎的資產。
I often change my investment views after hearing different opinions from market analysts. 在聽到分析師不同意見后，我常常會改變自己的投資觀點。
Regret-Aversion Bias 后悔規避偏差 These items measure your tendency to avoid decisions that could result in regret, even at the cost of rational investment behavior. 以下陳述衡量您在投資中是否因害怕后悔而產生非理性決策的后悔規避偏差。 29. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I tend to change my current investment decisions due to regret from past mistakes. 我常常因為過去錯誤決策的后悔而改變當前投資決定。
Holding loss-making investments for a longer time feels more painful than selling profitable investments too early. 長期持有虧損資產比過早賣出盈利資產讓我更痛苦。
I tend to become more risk-seeking after gaining profits in the past. 過去賺過錢后，我會傾向于承擔更多風險。
I tend to become more risk-averse after suffering investment losses. 遭受投資損失后，我會變得更怕承擔風險。
I often regret when I miss out on potentially high-return investment opportunities. 當我錯過高回報投資機會時，我常常感到后悔。
Overconfidence Bias 過度自信偏差 These statements assess whether you display overconfidence in your investment knowledge or decision-making. 以下陳述衡量您在投資知識或決策能力上是否存在過度自信的偏差。 30. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
*I cannot predict future prices of my investments better than others. 我不能比別人更好地預測我投資的未來價格。
I always feel optimistic about the future returns of my investments. 我總是對自己投資的未來回報持樂觀態度。
I am confident that I can make better investment decisions than most people. 我相信自己能比大多數人做出更好的投資決策。
I believe I have a complete understanding of various types of investments. 我認為自己對各種類型的投資都有全面了解。
This is a screening question, please select the one you most disagree with. 這是一道篩選題，請選擇您最不同意的一項。
Anchoring Bias 錨定偏差 These items reflect your reliance on fixed references, such as past prices, in making investment decisions. 以下陳述反映您在投資中是否存在依賴錨點信息的錨定偏差。 31. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I usually rely on past market experience when making my next investment. 我通常依賴以往市場經驗來指導下一次投資。
I use the current price of a security as an anchor when estimating its future value. 我會把證券的當前價格作為預測未來價值的錨點。
I tend to fix a target price in advance before buying or selling a security. 我傾向于提前設定買賣證券的目標價格。
*The purchase price of a security is not a big factor when deciding whether to sell it. 證券的購買價格并不是我決定是否賣出的重要因素。
Part 7: Financial well-being 32. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
*I often find myself concerned about my ability to cover my regular monthly living expenses.我經常擔心自己是否有能力支付每月的正常生活開支。
I often desire to go out to eat, watch a movie, or participate in other activities, but hold back from doing so due to financial constraints.我經常想出去吃飯、看電影或參加其他活動，但由于經濟拮據而無法這樣做。
I feel confident about my ability to secure the necessary funds for a financial emergency.我對自己在財務緊急情況下獲得必要資金的能力充滿信心。
My overall feelings about my current financial situation are generally positive.我對目前財務狀況的總體感覺總體上是積極的。
*I frequently find myself just getting by financially and managing expenses with difficulty.我經常發現自己只能勉強度日，難以管理開支。
Part 8: smartphone addiction 33. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
My smartphone is the most important thing in my life.智能手機是我生命中最重要的東西。
Conflicts have arisen between me and my family (or friends) because of my smartphone use.由于我使用智能手機，我和家人（或朋友）之間發生了沖突。
Preoccupying myself with my smartphone is a way of changing my mood (I get a buzz, or I can escape or get away, if I need to).專注于智能手機是改變心情的一種方式（如果需要，我會感到興奮，或者我可以逃避或離開）。
If I cannot use or access my smartphone when I feel like, I feel sad, moody, or irritable.如果我不能在我想使用或訪問智能手機的時候使用智能手機，我會感到悲傷、喜怒無常或煩躁不安。
If I try to cut the time I use my smartphone, I manage to do so for a while, but then I end up using it as much or more than before.如果我試圖減少使用智能手機的時間，我設法在一段時間內做到這一點，但最終我會像以前一樣甚至比以前更多地使用它。
Part 9: Perceived Risk Tolerance感知風險容量 34. Kindly mark a “?” in the following table beside the statement that most accurately reflects your opinion, where a rating of “1” corresponds to “Strongly Disagree” and a rating of “7” signifies “Strongly Agree.”請在下表中“?”您最認同的選項，其中“1”代表“非常不同意”，“7”代表“非常同意”。
I don’t like to take risk.我不喜歡冒險。
I would rather be safe than sorry我寧愿安全也不愿后悔。
I have no desire to take unnecessary chances on things我不想在事情上冒不必要的風險。