What is the level of 1 million deposits in China now? Bank employees are "outspoken".With the rapid development of China's economy, people's income level is also increasing. In this day and age, what level does a person with a deposit of 1 million belong to? We interviewed a bank employee who gave a blunt answer.
We want to make it clear that 1 million deposits have different meanings among different groups of people in different parts of our country. In first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, a deposit of 1 million may not be enough to cope with the high cost of living and housing prices. However, in Tier 2 and Tier 3 cities, 1 million deposits can be a relatively significant number.
According to the data released by the National Bureau of Statistics, the per capita disposable income of Chinese residents in 2019 was 30,793 yuan. This means that people with 1 million savings have an asset level that is more than 300 times their per capita disposable income. From this point of view, people with a deposit of 1 million definitely belong to the higher income level in our country.
We should also note that the return on a million deposits in the bank is not high. Judging from the current prevailing deposit interest rate, the interest income of a 1 million deposit may be between a few thousand and more than 10,000 yuan a year. Under the influence of inflation, the real purchasing power of deposit yields may be lower. Therefore, people with a deposit of 1 million are not considered financial freedom in our country, and they also need to work or other investment channels to obtain more income.
We also need to take into account the level of indebtedness of our population. According to the data released by the central bank, the total debt of China's residents reached 145 trillion yuan, and the per capita debt has reached 420,000 yuan. This means that even with 1 million deposits, many people do not have much assets at their disposal after deducting liabilities.
In the eyes of bank employees, what level does a person with a million deposits belong to? The bank employee bluntly stated: "In our country, people with 1 million can be said to be relatively good in terms of economic conditions, but they are not considered rich. They may need to maintain and improve their standard of living by continuing to work and invest. ”
The words of this bank employee are undoubtedly a wake-up call for those who fantasize that they can live a carefree life with 1 million deposits. In our country, people with 1 million deposits, although they are relatively good in economic conditions, still need to work and invest in order to maintain and increase the value of their wealth.
What is the level of people with 1 million deposits in our country? There is no absolute answer to this question, as everyone has different lifestyles, spending ideas, and financial management capabilities. However, we can be sure that people with 1 million deposits do not belong to the wealthy class in the eyes of bank employees.
In the coming days, will people with 1 million deposits gradually lose their advantage in our country with economic development and inflation? Let's focus on this question together and look forward to future answers.