中国商报（记者 王彤旭）日前，中国人民银行发布2025年第二季度银行家问卷调查报告、2025年第二季度企业家问卷调查报告。问卷调查结果显示，过半 数企业家和银行家认为当前宏观经济表现平稳正常，对宏观经济整体持中性偏谨慎态度。 苏商银行特约研究员武泽伟也对记者表示，企业端呈现积极信号，经营景气与盈利指数环比上升，超三成企业实现增盈或减亏，银行家对货币政策评价积 极且对三季度经济热度预期升温，显示政策支持与企业信心有所改善。 居民旅游消费意愿高 除了上述两份问卷调查报告外，央行日前还发布了2025年第二季度城镇储户问卷调查报告。结果显示，在收入感受方面，居民第二季度收入感受指数为 45%，比上季度下降1.2百分点。其中，10.2%的居民认为收入"增加"，69.7%的居民认为收入"基本不变"。 在就业方面，居民第二季度就业感受指数为28.5%，比上季度下降1.8个百分点。其中，6.4%的居民认为"形势较好，就业容易"，39.9%的居民认为"一般"。 就业预期指数为41.7%，比上季度下降1.2个百分点。 在涉及未来三个月准备增加支出的项目时，旅游超过教育成为二季度调查中的居民首选项目。图为在浙江省杭州市临安区天目山 ...

Core Viewpoint - The household deposits in RMB have reached approximately 160 trillion yuan, reflecting a significant increase over the past eight years, despite recent fluctuations in monthly data [1][2][4]. Group 1: Household Deposits - As of April 2025, household deposits in RMB reached 159.08 trillion yuan, with an increase of 7.83 trillion yuan in the first four months of the year [1][2]. - The household deposit scale has increased by nearly 100 trillion yuan from 59.78 trillion yuan in 2016, with the proportion of household deposits in total RMB deposits rising from 39.7% in 2016 to 50.9% in the first quarter of 2025 [2][4]. - In April 2025, household deposits decreased by 1.39 trillion yuan, which is consistent with seasonal fluctuations observed in previous years [2][4]. Group 2: Trends in Savings and Consumption - The trend shows a gradual increase in the proportion of residents preferring to save, with 61.4% indicating a preference for more savings in the latest survey, although this is a slight decrease from the previous quarter [5]. - The inclination towards increased consumption has risen to 24.9%, reflecting a growing willingness to spend, particularly in areas such as education, healthcare, and tourism [5][6]. - The overall consumption growth is expected to improve, supported by policy measures aimed at enhancing consumer spending and adapting to a domestic demand-driven growth model [6]. Group 3: Monetary Policy and Economic Outlook - The central bank plans to implement moderately loose monetary policies to support consumption and stabilize economic growth, focusing on various consumer sectors [6]. - The shift towards a consumption-driven economy is seen as crucial for national economic growth, especially in light of weakening external demand due to global trade tensions [6].