Deposits have always been a Xi and concept of Chinese, which mainly stems from the uneven development of Chinese society and the existence of the gap between the rich and the poor. Over the years, the poor have been forced to save money to cope with possible contingencies and uncertainties. No matter how the state promotes consumption and how banks lower deposit rates, the pursuit of savings by Chinese has not changed. However, if per capita income rises substantially, the situation may be different.
According to the latest data, as of the third quarter of 2023, Chinese RMB deposits increased by about 22 billion yuan. Among them, residents' deposits accounted for about 14 billion yuan, with an average monthly increase of about 1.6 billion yuan. While this figure is a significant increase, most people are unable to reach the increase in savings per capita, given China's large population base. At present, most of the people with large savings are business executives, retired cadres, self-employed people and freelancers. These people generally earn higher incomes than the average office worker, and their consumption levels are also higher. On the contrary, there are not many people who have more than 200,000 yuan in the hands of ordinary office workers because their salary level is relatively low. Most of the monthly income of office workers is used to repay loans and various expenses, and there is almost no remaining funds deposited in the bank. While office workers have a relatively secure life and don't have to worry about tomorrow's income and what to do with their large savings, those with higher incomes need to pay attention to the market dynamics, worry about whether their money will depreciate, and how to invest it wisely.
In addition to people's insistence on savings, the continued reduction of deposit rates by banks has led some people to worry about the wisdom of putting their own deposits in banks. Research data shows that the current interest rate on one-year deposits has fallen to almost 1%, which has led people with larger deposits to look for other ways to preserve their funds. At the same time, China's consumption level is also rising, and people can clearly feel the speed of prices. For example, in the past, when dining out, you could eat a good pasta dish for about 10 yuan, but now the ** of going out to eat is generally increased to about 20 yuan. The same goes for takeaway, where people already feel cheap for paying $20 for takeaway. Prices have triggered a change in people's implicit perceptions, and this change is terrifying. Even if people want to preserve the value of the yuan, whether it is the exchange rate or **, the yuan is depreciating, which is a headache for people.
Some people may think of making an investment because there are so many ways to invest these days. For example, if you buy ** through Alipay, the interest rate is even higher than that of the bank;Relatively stable** is also an option. However, with the continuous development of China's financial market, more and more financial frauds have emerged. Even if they invest in seemingly stable**, there are many people who fall for scams and find that they cannot withdraw their funds after depositing into ** accounts. As for **, bonds and ** options, the risk is greater, and once you get into trouble, you will lose a lot. If you pay attention to **, people will find that A-shares have been hovering around 3,000 points for many years, and many shareholders have suffered losses. To solve this dilemma, people need to improve their investment ability, learn more about financial literacy, and judge the risks of each investment with their own eyes. However, risks in financial markets are everywhere, and this is not an easy task.
Entrepreneurship is another way to solve economic difficulties. However, not everyone succeeds in starting a business, and it is more common for entrepreneurs to fail than successful entrepreneurs. Every day, we can see all kinds of self-promotion and entrepreneurial experiences shared by successful people on the Internet. But when we were excited to learn about this field, we found that many people had already recommended the same entrepreneurial approach. Needless to say, the reason some people tell you that this approach can be successful is because you can benefit them. Therefore, maybe it's better to have no savings, so that there is a lot less trouble, as long as the family is safe.
There are many reasons behind the need to pay attention to people who have a lot of savings. On the one hand, the concept of savings is deeply ingrained in Chinese culture and has been passed down over the years, especially for the poor. Although the state and banks may change their policies, the Chinese's love of saving will not change. On the other hand, banks are constantly lowering interest rates on deposits, leading people to look for other ways to preserve value. Coupled with the rise in consumption levels and the rise in prices, people feel the loss of wealth. In addition, the risks of financial markets and the uncertainty of starting a business also confuse people with more deposits.
For those who have a lot of savings, they need to rely on their wisdom and knowledge to plan the use of funds reasonably. Whether looking for other ways to invest or starting a business, people need to choose carefully and improve their financial literacy. Only in this way can you choose between risk and opportunity, and realize the growth of wealth. While people with more savings may face more troubles and challenges, they also contain more opportunities and possibilities. It is important to remain rational and sensitive to the market to make informed decisions and preserve and grow your wealth.