In the past two years, the willingness of Chinese residents to save money has become higher and higher. According to the data of the central bank, from January to July this year, the new deposits of Chinese residents reached 1109 trillion. This also means that by the end of July, the balance of household deposits in China has reached 13109 trillion. If it is apportioned according to the population of 1.4 billion, the per capita savings are as high as 9420,000 yuan. And if it is calculated according to a family of three, the average household savings have reached 28260,000 yuan.
There are two main reasons why Chinese residents are more and more enthusiastic about saving money: one is that after three years of the epidemic, many people have begun to realize the necessity of saving money, and the purpose of saving money is mainly to cope with unemployment, illness and other unexpected needs.
The other is that the current market, the real estate market, the bank wealth management products and other markets lack the money-making effect, and it is likely to lose the principal if it is not good. Therefore, those risk-averse investors want to keep their money in the bank, at least the principal and interest of the money in the bank are safe.
Now the question is, how many households have more than 200,000 savings in the country?According to the data released by the central bank, the proportion of households with more than 300,000 deposits now is only 193% if there are 4 in the countryOf the 950,000 households, only 95.53 million have savings of more than 300,000.
In addition, Southwestern University of Finance and Economics previously announced that the number of households with more than 160,000 deposits in China accounted for 35%. By analogy, households with domestic deposits of more than 200,000 account for about 25%. According to the domestic there are 4950,000 households, probably only 1About 2.3 billion households.
Many people may find it strange that 200,000 deposits are not a big amount now, why are families with 200,000 deposits accounting for less than a quarter?Actually, there are several reasons for this:
First, the daily necessities of domestic residents are increasing every year, while the wages of most people have not risen. Obviously, the pressure on people's living expenses is increasing. Even if some families are frugal and can make ends meet, a little surplus is considered good.
If an ordinary family can save 3,000 yuan a month, they can only save 3 yuan a year60,000 yuan. If you want to save enough 200,000, it will take at least 5 years or more. This means that you can't be unemployed or sick during the period, which is also relatively difficult. Therefore, it is not easy for ordinary families to save enough for the 200,000.
Second, people nowadays not only use up all their salaries, but also like to borrow to get by. Data show that at the beginning of this century, the debt ratio of Chinese residents was only 5 percent, but now the debt ratio of residents is as high as 56 percent. In particular, nearly 90% of the post-90s generation are in debt, with an average debt of 1270 thousand. Therefore, modern young people don't say that if they save up to 200,000, it is good to be able to pay off their previous debts. Obviously, the concept of saving money in modern times is different from that of the past, and many people do not have the desire to actively save money.
Third, because domestic housing prices have been high, many buyers can only borrow money to buy a house. Not only will you drain all your family's savings, but you will also have to owe a 20-30 year loan from the bank. A large part of the monthly income has to be repaid with a silver loan, and the remaining little income can only barely maintain daily expenses, and there is not much money saved at all. According to the data, the total amount of housing loans for domestic residents is nearly 39 trillion yuan, and there are more than 200 million housing slaves. Therefore, many house slaves only have tens of thousands of yuan in deposits, and even 100,000 yuan of deposits cannot be reached, let alone family deposits of more than 200,000 yuan.
The central mother found out, the average deposit of Chinese was announced, and the balance of household deposits in China has reached 13109 trillion, per capita deposits reached 9420,000 yuan, if calculated for a family of three, the average family deposit has reached 28260,000 yuan. As a result, some people have suggested that there should be many families with domestic savings of more than 200,000 yuanIn fact, the domestic savings reached 200,000 households, only 12.3 billion households, accounting for about 4A quarter of 9.5 billion households. The reason why the number is not large is mainly due to the above three reasons. You can compare your own family, do you have a deposit of more than 200,000?