尊敬的受訪者：
您好！為幫助您更好地了解英國(guó)國(guó)家儲(chǔ)蓄與投資公司（NS&I）的金融產(chǎn)品與服務(wù)，我們特設(shè)計(jì)此問(wèn)卷。本問(wèn)卷僅用于調(diào)研分析，所有信息將嚴(yán)格保密，感謝您抽出寶貴時(shí)間參與！
Dear Respondent:
Hello! To help you better understand the financial products and services offered by the National Savings and Investments (NS&I) in the UK, we have specially designed this questionnaire. This questionnaire is solely for research and analysis purposes, and all information will be strictly confidential. Thank you for taking the time to participate!
針對(duì)問(wèn)卷中所包含的英國(guó)NS&I公司，給出有關(guān)參考介紹：英國(guó)NS&I作為英國(guó)財(cái)政部下屬執(zhí)行機(jī)構(gòu)，以100%財(cái)政部擔(dān)保、政策支持力度大（含稅收優(yōu)惠、低準(zhǔn)入門檻等）為核心特點(diǎn)，兼具高安全性與公益屬性，服務(wù)超2400萬(wàn)客戶。其產(chǎn)品體系多元，涵蓋免稅抽獎(jiǎng)?lì)愐鐑r(jià)債券、定向支持類儲(chǔ)蓄賬戶（兒童、低收入群體專屬）、綠色金融產(chǎn)品等，兼顧安全保障與多樣化儲(chǔ)蓄需求，但靈活性相對(duì)較低。
Regarding the British NS&I company mentioned in the questionnaire, the following reference introduction is provided: As an executive agency under the British Ministry of Finance, British NS&I is characterized by 100% guarantee from the Ministry of Finance, significant policy support (including tax incentives, low entry barriers, etc.), and combines high security and public welfare attributes. It serves over 24 million customers. Its product range is diverse, including tax-free lottery-style premium bonds, targeted support savings accounts (exclusive for children and low-income groups), green financial products, etc. It balances security and diverse savings needs, but has relatively low flexibility.
1. 您此前是否聽說(shuō)過(guò)投資銀行，儲(chǔ)蓄機(jī)構(gòu)等相關(guān)金融機(jī)構(gòu)？Have you previously heard of investment banks, savings institutions and other related financial institutions?
A. 從未聽說(shuō) Never heard of it B. 略有耳聞，但不了解具體信息Heard of it briefly but have no specific information C. 了解部分產(chǎn)品或服務(wù)Know about some of the products or services D. 曾使用過(guò)NS＆I類似的的金融產(chǎn)品Have used NS＆I's financial products before
2. 選擇儲(chǔ)蓄或投資產(chǎn)品時(shí)，您最優(yōu)先考慮的因素是？When choosing between savings or investment products, which factor do you prioritize the most?
A. 資金安全性Safety of funds B. 收益水平Safety of funds C. 產(chǎn)品靈活性（存取便捷度）Product flexibility (ease of access) D. 政策優(yōu)惠（如稅收減免等）Policy benefits (such as tax deductions, etc.)
3. 若了解到類似NS&I的存款由英國(guó)財(cái)政部100%擔(dān)保（無(wú)額度限制）這類由國(guó)家背書的產(chǎn)品，您的興趣程度是？If you knew that deposits like those of NS&I are fully guaranteed by the British Treasury (with no limit on the amount), such products endorsed by the government, how interested would you be?
A. 非常感興趣Very interested B. 比較感興趣Relatively interested C. 一般Average D. 不感興趣Not interested
4. 如果有機(jī)會(huì)，您是否愿意嘗試“無(wú)固定利息、獎(jiǎng)金免稅且有機(jī)會(huì)中百萬(wàn)英鎊大獎(jiǎng)”的溢價(jià)債券類產(chǎn)品？If given the chance, would you be willing to try the premium bond products that offer "no fixed interest rate, no tax on bonuses and the possibility of winning a million-pound prize"?
A. 非常愿意Very willing B. 比較愿意Relatively willing C. 不確定Uncertain D. 不愿意 Unwilling
5. 您的儲(chǔ)蓄目的更偏向于以下哪類？What is your primary purpose for saving?
A. 日常應(yīng)急儲(chǔ)備Daily emergency fund B. 子女教育資金Children's education funds C. 長(zhǎng)期財(cái)富增值Long-term wealth growth D. 其他（請(qǐng)注明）Others (please specify)
6. 您在選擇金融產(chǎn)品時(shí)，會(huì)關(guān)注哪些附加優(yōu)勢(shì)？（可多選）When choosing financial products, what additional advantages do you consider? (Multiple choices are allowed)
A. 稅收減免優(yōu)惠Tax reduction benefits B. 低準(zhǔn)入門檻（如1英鎊起存）Low entry threshold (e.g., minimum deposit of 1 pound) C. 綠色環(huán)保相關(guān)的資金投向Investment directions related to environmental protection D. 趣味化激勵(lì)（如抽獎(jiǎng)、中獎(jiǎng)機(jī)制）Entertainment-based incentives (such as prize draws, winning mechanisms) E. 定向政策支持（如低收入群體專屬、兒童專屬）Targeted policy support (such as exclusive for low-income groups, exclusive for children) F. 其他（請(qǐng)注明）Others (please specify)
7. 您通常通過(guò)哪些渠道了解金融產(chǎn)品信息？（可多選）Which channels do you usually use to obtain information about financial products? (Multiple choices are allowed)
A. 金融機(jī)構(gòu)官方網(wǎng)站Official websites of financial institutions B. 政府部門發(fā)布的政策文件Policy documents issued by government departments C. 行業(yè)報(bào)告或財(cái)經(jīng)媒體Industry reports or financial media D. 親友推薦Recommendations from friends and relatives E. 線上社交平臺(tái)或論壇Online social platforms or forums F. 其他（請(qǐng)注明）Others (please specify)
8. 您認(rèn)為以下哪些服務(wù)優(yōu)化能提升您對(duì)金融產(chǎn)品的使用意愿？（可多選）Which of the following service improvements do you think can enhance your willingness to use financial products? (Multiple choices are allowed)
A. 更簡(jiǎn)潔的賬戶登錄與操作流程Simpler account login and operation procedures B. 專屬手機(jī)APP功能支持Exclusive mobile APP functionality support C. 更快的轉(zhuǎn)賬、取款到賬速度Faster transfer and withdrawal processing times D. 更清晰的通知提醒（如交易確認(rèn)、活動(dòng)通知）Clearer notification alerts (such as transaction confirmations, event notifications) E. 更易接通的客服渠道Easier access to customer service channels F. 簡(jiǎn)化的業(yè)務(wù)辦理材料與流程Simplified business application materials and processes
9. 您可能感興趣的NS&I產(chǎn)品類型有哪些？（可多選）Which types of NS&I products might you be interested in? (Multiple choices are allowed)
A易存取儲(chǔ)蓄賬戶：對(duì)應(yīng)Easy Access Savings Accounts，滿足用戶靈活支取需求。Easy Access Savings Account: Corresponding to Easy Access Savings Accounts, it meets the flexible withdrawal needs of users. B定期固定利率債券：對(duì)應(yīng)Fixed Rate Bonds，期限從 1 年到 5 年不等，利率固定。Fixed-rate bonds with fixed terms: Corresponding to Fixed Rate Bonds, the terms range from 1 year to 5 years, with fixed interest rates. C免稅獎(jiǎng)金型溢價(jià)債券：對(duì)應(yīng)Premium Bonds，NS＆I 標(biāo)志性產(chǎn)品，無(wú)利息但可參與每月免稅抽獎(jiǎng)。Tax-free bonus bond: Corresponding to Premium Bonds, a flagship product of NS＆I, it offers no interest but allows participation in monthly tax-free draw prizes. D兒童專屬教育儲(chǔ)蓄賬戶：對(duì)應(yīng)Junior ISA，為 18 歲以下兒童提供免稅儲(chǔ)蓄渠道。Children's Special Education Savings Account: Corresponding to Junior ISA, it provides a tax-free savings channel for children under the age of 18. E低收入群體專屬儲(chǔ)蓄賬戶：對(duì)應(yīng)Help to Save，面向低收入人群的政府補(bǔ)貼儲(chǔ)蓄賬戶。Low-income group exclusive savings account: Corresponding to Help to Save, it is a government-subsidized savings account for low-income individuals. F綠色零售儲(chǔ)蓄債券：對(duì)應(yīng)Green Savings Bonds，資金投向環(huán)保項(xiàng)目，固定收益型產(chǎn)品。Green Retail Savings Bonds: Corresponding to Green Savings Bonds, the funds are invested in environmental protection projects, and they are fixed-income products. G其他（請(qǐng)注明）Other (please specify)
10. 結(jié)合您的儲(chǔ)蓄或投資需求，對(duì)于NS&I這類由政府背書的金融機(jī)構(gòu)，您還有哪些期望或建議？Based on your savings or investment needs, what other expectations or suggestions do you have for financial institutions like NS&I, which are backed by the government?