The money printing machine is busy, but the people can't afford it!People always want what they want, and now money is more tight, so people love to save money, but everyone has no money, so whose deposit is it?
People who can't afford to save save save a lot of money.
In the first quarter of this year, RMB deposits increased by 1539 trillion, of which household deposits increased by 99 trillion.
However, for the whole of last year, household deposits only increased by 99 trillion, that is, one quarter of this year is equivalent to the level of last year.
According to the data, the balance of deposits of households in China has exceeded 131 trillion, and the average deposit per person is 9350,000, is that really the case?
People don't have the same income, and I think everyone else is so rich!
It is reported that the central bank has announced that about 40% of people now have no penny in their bank cards, and many people's salaries are not enough to spend
I don't know if you are average when you look at your phone?Pick a cheap grocery store every day.
There are 131 trillion deposits of Chinese people in the bank, and it is surprising that everyone's income has not risen, so why have the deposits risen so much?
On the one hand, the epidemic has caused many people to lose their jobs or cut their salaries, their incomes are unstable, and they are not worried about the future economy, so everyone has begun to spend less money and save more money, just in case.
For ordinary people, there is hope when there is a job, and employment is the most important issue of people's livelihood.
On the other hand, the various restrictions during the epidemic have left those who have money with nowhere to spend, which has also increased the savings rate.
While the pandemic is getting better and better, people's worries about the future and the economic situation have not gone away, and this mentality has allowed people to continue to keep their savings rates high.
During the epidemic, people's consumption patterns have also changed, such as more online consumption and less offline consumption.
Also, in recent years, the investment market has not been easy to make money, so the money has run to the bank to hide.
There is a reason why people's incomes have fallen, but household savings have increased. Although these causes may slowly disappear or wane.
But now it seems that saving is still the main choice for residents, because saving is the basis of financial management and the premise of future investment.
Have you reached the deposit target?
As soon as the deposit data was announced, many netizens shouted that it was "averaged".
Compared with the end of 2022, the per capita deposit is 9The level of 350,000 is still growing steadily.
Many netizens said that they had dragged down the national per capita level, and some people said that they were "averaged".
We should understand that the concept of per capita savings does not fully reflect a country's economic situation and people's livelihood.
China has a large number of people, there is a big difference between the north and the south, and economic development is unbalanced, and the phenomenon of the east is strong, the west is weak, the south is strong, and the north is weak. Therefore, when talking about per capita savings, there are many factors to consider.
To truly evaluate the level of a country's economy, it is necessary to look at it from multiple perspectives.
So, whose deposits are they?
Judging from the per capita deposit data released in 2022, in terms of household deposits, Guangdong, which has the largest economy, also ranks first in terms of deposit scale, with Jiangsu, Zhejiang, and Shandong all exceeding 8 trillion yuan.
In terms of per capita household deposits, there are only 5 places in the country with per capita deposits of more than 100,000, and they are 26840,000, Shanghai 21260,000, Zhejiang 1250,000, Jiangsu 10660,000 and 10430,000 (not counting Shenzhen). Other provinces and cities have less than 100,000 per capita deposits.
It turns out that everyone's deposit is so much!Such a high level of savings is really enviable!
Speaking of which, how much is the difference between everyone's income level and the national average?
It should be noted that the difference in the average income level and industry income of a city can only be used as a reference standard for this city, and the savings of developed cities cannot represent the whole country, so there is not much reference significance.
Some workers also said that although they knew that they had no savings, they were just having fun.
How much do you think you have to save to have confidence?
Of course, an important way to save money is to save money.
Have you reached the deposit target?Savings are related to the quality of life, and a high proportion of savings means that the quality of life is compressed.
Some netizens said that wool picking on major online platforms is their main entertainment activity.
They never ate out except for the potlucks they had to attend, and they felt that the money for a meal outside and making it themselves at home could be eaten for a week.
For most people, having a good deposit can provide financial support for future development and can also better achieve life goals.
However, excessive pursuit of savings can also reduce quality of life.
Set a reasonable deposit goal.
So, how do you maintain your quality of life while pursuing your savings?
On the one hand, don't compare, according to your actual situation, set a reasonable deposit goal, everyone's living situation and needs are different, so when setting a deposit goal, you should consider your actual situation and avoid blind comparison.
On the other hand, we should focus on our income level and make sure that our savings goals are achievable.
Secondly, we also need to improve our quality of life, because excessive savings and frugality will also affect the quality of life.
So, how can you make a deposit to meet the target?
Actively enhance your own value, learn new skills, and increase your income**.