in the presentEconomyIn times of recession, many people choose to deposit idle fundsBanksto maintain and increase value and cope with uncertaintiesEconomyEnvironment. With the downturn in the real estate market, the impact on consumption, the decline in orders in the export market and other factors, the uncertainty and risk of various investment channels have increased, and people are more inclined to choose stable deposit methods to protect their own interests. In the first 11 months of 2022,RMBDeposits increased by 256 trillion, of which household deposits increased by 155 trillion. This data shows that most people's perception and actions about deposits are basically the same, no matter whatBanksDepositsInterest ratesThe continuous downward adjustment has not affected people's determination to increase their savings.
However, it is worth noting that while the increase in deposits is impressive, the actual level of savings for most households is not high enough, and many people do not reach the per capita savings level. According to the data released by the central bank, as of the end of 2022, the balance of household deposits in China was 120 trillionRMB, while the national per capita deposit reached 9590,000 yuan. However, this can only be used as a general reference, and cannot truly reflect the savings situation of individual residents. According to the data previously released by the central bank, depositors in our countryBanksOnly 1% of households have savings of more than 500,000 yuan, which shows that most families are difficult to reach this average level.
While savings are increasing, at the same time, household and personal debt ratios are also rising. For a long time, the boom in the real estate market has brought about the growth of residents' wealth andEconomybut also brought about a higher household debt ratio. Especially for young people, there are more and more examples of carrying mortgages, and more than 70% of family debts are mortgages, with a single structure. Therefore, how to increase residents' income has become the top priority.
However, advocating for stimulated consumption will not solve the fundamental problem. Residents have the ability to spend only when they have savings and income in their hands, but if their pockets are empty, what can they use to spend?The state is also actively solving this problem, and has been reducing housing loans in the second half of the yearInterest ratesA lot of efforts have been made, and it also has a certain positive effect on consumption. But this effect is not a long-term solution. As a result, some experts propose to send money directly to residents in order to stimulate consumption. Although this is difficult to operate, for the majority of low-income groups, direct payment can also stimulate consumption to a certain extent.
The main tone of next year is to boost consumption and drive domestic demand. In order to achieve this goal, more jobs need to be created, promotedIndustrial transformationUpgrade. Only by occupying more mid-to-high-end industries can we obtain more industry profits and thus increase the income of employees. In addition, it is also necessary to improve the income level of residents through various measures such as improving the income distribution mechanism, improving the treatment of workers, and improving social security.
While solving the problem of increasing residents' income, we should also pay attention to cultivating residentsManage your moneyAwareness and ability. PassedFinanceThe popularization of knowledge educates people on how to make reasonable capital planning and allocation, so that they can make better use of their savings and achieve the goal of property preservation and appreciation.
Judging from the data of Chinese's per capita deposits, the growth rate of deposits is amazing. However, this does not mean that everyone has more than $300,000 in deposits. The level of savings of most households is still low, and the debt ratio has increased in tandem with savings. Therefore, it is more important to raise the income level of residents and provide them with more employment opportunities and a better environment for development.
At the individual level, in addition to relying on the policy support of ** andEconomydevelopment, should also focus on cultivating their ownManage your moneyAwareness and ability. Through learning XiFinanceknowledge, understand different investment channels and risks, reasonably plan and manage your finances, and realize the appreciation of personal wealth.
In short, the average deposit of Chinese has reached 9590,000 yuan, but this is only an average and cannot truly reflect the actual situation of each person. The growth of the deposit is the same as the current oneEconomyThe situation is closely related to changes in the debt ratio. Boosting consumption needs to start from a number of fronts, including job creationIndustrial transformationupgrading, improving the income distribution mechanism, etc. It is important that individuals should be strengthenedManage your moneyawareness, rational planning of investments, and achievement of financial goals.