in the presentEconomyAgainst the backdrop of the recession, deposits have become a safe haven for many people. Globally and domesticallyEconomyThe environment is facing uncertaintiesRMBThe number of deposits is rising. According to the latest data from the central bank, the average deposit of Chinese reached 9590,000 yuan, while the average household deposit is about 28770,000 yuan, indicating that a considerable number of families have not yet reached the level of more than 300,000 yuan in savings. However, the increase in savings has also led to an increase in household and personal debt ratios. Therefore, in boosting consumption and promotingEconomyIn the process of growth, it is necessary to integrate various factors to increase residents' income and achieve sustainable developmentEconomyDevelop.
CurrentEconomyThe situation is sluggish, the property market is sluggish, consumption is sluggish, exports are declining and other factors make many people choose to deposit fundsBanks。According to the latest data released by the central bank, in the first 11 months of this year,RMBDeposits increased by 256 trillion, indicating that deposits are still the first choice for people's investment.
With the continuous development of the real estate market, the debt ratio of many households and individuals is also rising. In particular, there are more and more examples of young people being burdened with housing loans, which makes the debt structure of households single, mainly concentrated on housing loans. Therefore, increasing residents' income has become the top priority to solve the current problem.
According to the data released by the central bank, as of the end of November this year, China's householdsDeposit balanceReached 1355 trillion yuan, which is equivalent to the people of the whole countryBanksA huge sum of 135 trillion has been saved. However, this number may seem out of reach for many, especially for those who haven't made any money this year. It can be seen that the average number of deposits per capita does not truly reflect the savings situation of individuals, and only has a certain reference value.
Although the average deposit of Chinese reached 9590,000 yuan, but according to the data previously released by the central bank, depositors in ChinaBanksThe proportion of deposits exceeding 500,000 yuan is only 1%. This means that most households struggle to reach the average. Therefore, households with savings of more than $300,000 are still in the minority.
As savings increase, so do household debt ratios and personal debt ratios. The long-term boom in the real estate market has led to an increase in household debt ratios, especially mortgages, which have become the main source of household debt**. However, there is currently a high demand for stimulating consumption, which seems to run counter to the current state of household debt.
Therefore, in order to solve the problem of rising household debt ratio and boosting consumption, it is necessary to fundamentally increase household income. In addition to increasing jobs, promoteIndustrial transformationUpgrading should also be improved through improving the income distribution mechanism, improving the treatment of employees, and improving social security.
In order to achieve sustainableEconomyDevelopment and boosting consumption need to focus on the improvement of residents' income. Only through comprehensive and multifaceted reforms, such as enlargementIndustrial upgradingOnly by improving the treatment of workers and strengthening social security can we continue to improve residents' spending power and savings.
In addition, it is also actively exploring various measures to stimulate consumption. For example, mortgage reductions have already begunInterest rates, which reduces the repayment pressure of some people, which in turn helps to improve the level of consumption. However, while encouraging consumption, it is also necessary to respect the individual circumstances of each family and pay attention toSustainability
To sum up, although the average deposit of Chinese has reached 9590,000 yuan, but more than 300,000 yuan of depositing families are still a minority. At the same time, the rise in household debt ratios has also become a cause for concern. To be sustainableEconomyDevelopment needs to be achieved through comprehensive reform measures to increase residents' income, so as to promote consumption growthEconomyA virtuous circle.