(Yicai Global) Dec. 25 -- Chinese bankers and entrepreneurs have lowered their investment outlook for investment in the fourth quarter, while an increased number of individuals are planning to spend more on consumer goods rather than stockpile cash, according to the central bank.

Below are the key takeaways from the People's Bank of China's reports on banker, entrepreneur and consumer surveys for the fourth quarter. Comparisons are against the previous quarter figures.

-  The macroeconomy confidence index among bankers was down 1 point at 68.5.

-  The banking sector prospect index was up 1.2 points at 68.7.

-  The banking profit index fell 1.2 points to 65.7.

-  The overall loan demand index dipped 2.2 points to 63.

-  81.2 percent of bankers believe monetary policy is "moderate," down 4.1 percentage points.

-  The macroeconomy heat index was down 1.1 points at 34.4 percent.

-  The bankers' macroeconomy heat index gained 3.4 points at 37.8 percent.

-  The entrepreneur confidence index sank 3.4 points to 67.8.

-  The entrepreneurs' macroeconomy heat index fell 1.8 points to 35.4.

-  28.6 percent of householders expected to spend more money, up 2.6 percentage points.

-  27.3 percent of householders expected to invest more, down 2.4 percentage points.

-  44.1 percent of householders expected to save more, down 0.2 percentage point.

-  The income confidence index rose 1.7 points to 54.5

-  The urban households' income experience index, which reflects current income perception, was down 0.1 point at 53.5.

-  88.8 percent of households believed that their income increased or remained basically unchanged, up 0.7 point.

-  The employment experience index gained 1.3 points to 45.5.

-  15.7 percent of households believed the job market improved and that job hunting had become easier.

-  The employment expectation index gained 1.6 points to 53.3.