數據彙集 Frequency Tables返回



[Q1]喺呢個訪問之前,請問你有冇聽過「信貸評分」(即“Credit Score”)?
Prior to this interview, have you ever heard of “Credit Score”?"
  頻數 Frequency 百分比 Percentage
(基數 Base=516)
有 Yes 297 57.6%
冇 (跳至Q3) No (Skip to Q3) 219 42.4%
合計 Total 516 100.0%


[Q2] [只問於 Q1 回答「有」既被訪者,基數=297] 咁你係從乜野渠道聽過「信貸評分」呢?(不讀答案,可選多項)
(Only ask respondents who answered “Yes” in Q1, base=297) From what channel(s) did you learn about “Credit Score”? (Do not read out out options, multiple answers allowed)
  頻數 Frequency 佔答案百分比
% of responses
(基數 Base=461)
佔次樣本百分比
% of sub-sample
(基數 Base=297)
電視 (包括宣傳片、特備節目、新聞等) TV (including promotional videos, special programs, news, etc.) 188 40.8% 63.4%
金融機構(包括銀行、財務機構、保險公司等) Financial institutions (including banks, financial companies, insurance companies, etc.) 69 15.1% 23.4%
報紙 (包括廣告、報導等) Newpapers (including advertisements, reports, etc.) 68 14.7% 22.8%
網上資訊 (包括社交媒體、金融機構網站等) Online information (including social media, website of financial institutions, etc.) 45 9.9% 15.3%
電台 (包括宣傳聲帶、特備節目、新聞等) Radio (including promotional clips, special programs, news, etc.) 26 5.7% 8.9%
家人∕朋友 Family members / friends 14 3.1% 4.8%
學校 School 13 2.7% 4.2%
同事∕工作地方 Colleagues / workplace 12 2.7% 4.1%
雜誌 (包括廣告、報導等) Magazines (including advertisements, reports, etc.) 10 2.1% 3.3%
宣傳單張∕小冊子∕海報 Leaflets / pamphlets / posters 5 1.1% 1.8%
宣傳活動 Promotional activities 1 0.2% 0.4%
其他 Others 4 0.9% 1.3%
唔知∕難講∕唔記得 Don’t know / Hard to say / Can’t remember 4 1.0% 1.5%
合計 Total 461 100.0%


Q2_其他_Other responses
  頻數 Frequency
銀行信用卡 Credit cards 1
普通常識 Common senses 1
流動應用程式 Mobile apps 1
「信貸評分」(即“Credit Score”)職員 Staff of Credit Score companies 1
股市資料 Stock market information <1
合計 Total 4


[Q3] 以你所知,喺香港邊D人會擁有一個「信貸評分」?(不讀答案,可選多項)
As far as you know, what kinds of people in Hong Kong would have a “Credit Score”? (Do not read out out options, multiple answers allowed)
  頻數 Frequency 佔答案百分比
% of responses
(基數 Base=615)
佔樣本百分比
% of sample
(基數 Base=516)
曾經向銀行或金融機構借錢既人 People with lending experience from banks or financial institutions 99 16.1% 19.2%
持有信用卡既人 People who have a credit card 50 8.1% 9.6%
曾經申請樓宇按揭既人 People who have applied for mortgage 35 5.6% 6.7%
做生意既人 Businessman 25 4.1% 4.9%
曾經欠債既人 People who have overdue payment 20 3.2% 3.8%
有收入/在職人士 People with income / working people 15 2.4% 2.9%
專業人士 Professionals 15 2.4% 2.9%
有銀行戶口的人 People who have a bank account 13 2.2% 2.6%
中產/有錢人 Middle class / the rich 8 1.3% 1.5%
係銀行/金融機構工作既人 People who work in a bank / financial institutions 7 1.1% 1.4%
商業機構 Commercial organizations 5 0.9% 1.0%
有投資的人 People who have an investment 2 0.4% 0.4%
曾經破產既人 People who were bankruptcy 1 0.1% 0.1%
所有香港市民 All Hong Kong people 76 12.3% 14.7%
其他 Others 19 3.1% 3.7%
唔知道 Don’t know 226 36.7% 43.8%
合計 Total 615 100.0%


Q3_其他_Other responses
  頻數 Frequency
有名譽既人 People with reputation 4
銀行或者財務機構 Banks or financial institutions 3
大學生 University students 2
政治人物 Political figures 2
家庭負擔重的人 People who have heavy family burdens 1
誠信有問題既人 People without integrity 1
選民 Voters 1
有案底人 People with criminal records 1
視乎學歷 Depends on the education level 1
視乎學歷;視乎家庭情況 Depends on the education level and family situation 1
政府官員 Government officials <1
視乎資產擁有 Depends on the assets owned <1
合計 Total 19


[Q4] 咁你認為呢個「信貸評分」會唔會影響以下既申請?(訪員讀出1-4項,次序由電腦隨機排列,可選多項)
Then, do you think one’s “Credit Score” would affect the following applications? (Read out options 1-4, order to be randomized by computer, multiple answers allowed)
  頻數 Frequency 佔答案百分比
% of responses
(基數 Base=1,334)
佔樣本百分比
% of sample
(基數 Base=516)
申請貸款 (包括私人貸款、信用卡、按揭等) Loan applications (include personal loans, credit card, mortgage, etc.) 423 31.7% 82.1%
申請涉及財務處理嘅職位 Apply for a job position that involves handling of financial matters 319 23.9% 61.9%
申請移民 Apply for immigration 311 23.3% 60.3%
申請政府部門嘅工作 Apply for a government job 249 18.6% 48.2%
以上皆不會受影響 None of the above 14 1.0% 2.6%
唔知∕難講 Don’t know / Hard to say 18 1.4% 3.5%
合計 Total 1,334 100.0%


[Q5] 你知唔知道邊D因素會影響一個人既「信貸評分」?(不讀答案,可選多項)
Do you know what factor(s) would affect one’s “Credit Score”? (Do not read out out options, multiple answers allowed)
  頻數 Frequency 佔答案百分比
% of responses
(基數 Base=758)
佔樣本百分比
% of sample
(基數 Base=516)
知道,過往逾期還款紀錄 Yes, the overdue payment records 169 22.3% 32.8%
知道,現時未償還債務 Yes, the outstanding loans 129 17.0% 24.9%
知道,信貸賬戶記錄 (包括持有信用卡數目) Yes, the credit account records (including the number of credit card owned) 92 12.1% 17.8%
知道,公眾記錄 (包括破產和法律行動) Yes, the public records (including bankruptcy and legal actions) 78 10.3% 15.1%
知道,過往信貸查詢∕申請記錄 Yes, the credit inquiry records / application records 70 9.2% 13.6%
知道,收入/工作狀況 Yes, the employment status 42 5.5% 8.1%
知道,個人財務/資產狀況 Yes, the financial / asset status 20 2.6% 3.8%
知道,案底/犯罪紀錄 Yes, the criminal records 15 2.0% 2.9%
知道,其他因素 Yes, another factors 9 1.2% 1.8%
唔知道 Don’t know 135 17.8% 26.1%
合計 Total 758 100.0%


Q5_其他_Other responses
  頻數 Frequency
以往交易紀錄 Past transaction records 3
社會行為 Social behavior 2
誠信/信譽 Integrity / credibility 1
無責任的人 People without responsibility 1
教育程度;家庭背景 Education level; family background 1
做過擔保人,已那人又沒有還款 People who was a guarantor, but the borrower did not repay the debt 1
以往申請政府資助紀錄 Previous records of government subsidy application <1
合計 Total 9


[Q6] 整體嚟講,你認為「信貸評分」對一個人申請貸款,例如信用卡、私人貸款、按揭等,有幾重要?(訪問員追問程度)
In general, how important do you think “Credit Score” is to one’s loan applications, such as credit card, personal loans, mortgage, etc.? (Interviewer probe intensity)
  頻數 Frequency 百分比 Percentage
(基數 Base=516)
非常重要 Very important 283 54.8%
幾重要 Quite important 155 30.0%
一半半∕一般 Half-half 40 7.7%
幾唔重要 Not quite important 18 3.5%
完全唔重要 Not important at all 4 0.8%
唔知∕難講 Don’t know / Hard to say 17 3.2%
合計 Total 516 100.0%


Q6gp [Q6] 整體嚟講,你認為「信貸評分」對一個人申請貸款,例如信用卡、私人貸款、按揭等,有幾重要?(綜合數據)
In general, how important do you think “Credit Score” is to one’s loan applications, such as credit card, personal loans, mortgage, etc.? (Aggregate data)
  頻數 Frequency 百分比 Percentage
(基數 Base=516)
重要 Important 438 84.8%
一半半∕一般 Half-half 40 7.7%
唔重要 Not important 22 4.3%
唔知∕難講 Don’t know / Hard to say 17 3.2%
合計 Total 516 100.0%


[Q7] 你知唔知道自己既「信貸評分」?
Do you know your “Credit Score”?
  頻數 Frequency 百分比 Percentage
(基數 Base=516)
知道 (跳至Q9) Yes (Skip to Q9) 55 10.7%
唔知道 No 460 89.3%
合計 Total 516 100.0%
缺數 Missing <1


[Q8] [只問於 Q7回答「唔知道」及拒答之被訪者,基數=461] 咁你有冇打算喺短期內查閱自己既「信貸評分」?如果有,你知唔知道可以點樣查閱?
(Only ask respondents who answered “No” and refuse to answer in Q7, base=461) Then are you going to check your “Credit Score” in the near future? If yes, do you know how to check it?
  頻數 Frequency 百分比 Percentage
(基數 Base=461)
有,知道點樣查閱 Yes, I know how to check it 10 2.1%
有,唔知道點樣查閱 Yes, but I don’t know how to check it 39 8.6%
冇打算 No such plan 411 89.3%
合計 Total 461 100.0%


[Q9] 喺過去12個月,請問你有冇曾經向銀行或者財務機構申請過任何私人貸款?
Have you applied for any personal loan from banks or financial institutions over the past 12 months?
  頻數 Frequency 百分比 Percentage
(基數 Base=515)
有 Yes 53 10.3%
冇 (跳至DEMO) No (Skip to DEMO) 462 89.7%
合計 Total 515 100.0%
缺數 Missing 1


[Q10] [只問於 Q9回答「有」既被訪者,基數=53] 你當時申請貸款既主要原因係?(不讀答案,可選多項)
(Only ask respondents who answered “Yes” in Q9, base=53) What was(were) the reason(s) for applying such loan? (Do not read out out options, multiple answers allowed)
  頻數 Frequency 佔答案百分比
% of responses
(基數 Base=51)
佔次樣本百分比
% of sub-sample
(基數 Base=49)
日常生活開支 Daily expenses 8 15.1% 15.6%
清還其他債務 Debt repayments 7 13.4% 13.8%
投資 Investments 7 12.9% 13.3%
買樓 To buy a property 6 12.4% 12.8%
生意週轉 To manage the cash flows for business 4 8.0% 8.3%
緊急支出 (例如:火災或其他意外) Emergency expenditures (e.g. fire or other accidents) 4 7.3% 7.5%
協助家人∕朋友 To help family members / friends 3 5.2% 5.4%
購物∕娛樂∕旅遊 Shopping / entertainment / traveling 2 3.6% 3.8%
交稅 To pay taxes 2 3.3% 3.4%
買車 To buy a car 2 3.1% 3.2%
進修學習開支 Expenses for further study <1 0.8% 0.8%
沒有特別原因 No specific reasons 4 7.9% 8.2%
其他 Others 4 7.1% 7.3%
合計 Total 51 100.0%


Q10_其他_Other responses
  頻數 Frequency
裝修 Home Decoration 1
銀行利息低 Low interest rate in banks 1
購買醫療保險 Purchase medical insurances 1
合計 Total 4


[Q11] [只問於 Q9回答「有」既被訪者,基數=53] 咁請問你當時申請既貸款額大約係幾多錢呢?
(Only ask respondents who answered “Yes” in Q9, base=53) What was the approximate amount of that loan?
  頻數 Frequency 百分比 Percentage
(基數 Base=53)
HK$10,000 – 49,999 17 31.4%
HK$50,000 – 100,000 9 17.1%
HK$100,000以上 Above HK$100,000 25 46.9%
唔知∕難講∕唔記得 Don’t know / Hard to say / Can’t remember 2 4.6%
合計 Total 53 100.0%