Yang Ma "touches the row"! The results are out, and the number of families in China who can come up with 400,000 at a time is beyond imagination
In the eyes of many people, the proportion of households in China that can take out 400,000 at one time has reached at least 60-80%. The main reason is that the average household assets in China have reached 3 million yuan. Under such data, most families in China should be able to take out 400,000 at one time.
However, the average family assets of my country reach 3 million, which is mainly composed of real estate, and housing accounts for 77% of the total family assets, and the current housing liquidity is also very poor, so on the surface, everyone is rich in millions; But in fact, the vast majority of people's wealth is "negative", that is, they owe the mortgage after buying a house.
In other words, before the mortgage is paid off, the so-called million worth is just an invisible number, and the actual house belongs to the bank. In this way, the vast majority of urban families with millions of wealth are actually "negative", so how many families in China can take out 400,000 yuan at one time?
According to the report on the third quarter of monetary execution released by the central bank, at the end of September this year, the growth rate of household deposits reached 134 trillion yuan, which was apportioned to the country's 1.4 billion people, and the national per capita deposits reached 9570 thousand.
It is estimated that many people are silent when they see this data, after all, this is only an "average", and it does not truly reflect everyone's savings, and there are many rich people in China, no matter who and Ma Yun's assets are average, they are all billionaires. The real situation of ordinary people is completely different from what everyone thinks.
Previously, the central bank had conducted a "touch" on domestic depositors, and the result was only 037% have more than 500,000 in bank deposits. At the same time, only 1% of households with more than 400,000 deposits are available. This also means that 99% of domestic households cannot take out 400,000 at one time. In fact, such a "touching" result should also be expected.
Because, China Merchants Bank once released a set of data: only 2% of depositors have 80% of deposits, and 98% of depositors only have 20% of deposits. This also means that a few people in our country have a lot of wealth, while the majority has only a small amount of wealth. There is still a large gap between the rich and the poor in society.
So the question is, a house in cities and towns is often millions, and more than 42% of the urban families in the country have two or more sets of real estate, according to this data, it is equivalent to more than half of the population in China has achieved millions of assets in their names, why can the family that can take out 400,000 cash at one time, but less than 1 100 of the 1.4 billion people? The most definite answer to this question is given in the following years:
01 The income of ordinary people in China is generally low.
According to the data published by the tax department, in our country 7Among the 500 million workers, only 14% have a salary of more than 5,000 yuan. This also means that 85% of workers in China earn less than 5,000 yuan a month.
With such an income, even if a family can save 3,000 yuan a month, it can only save 3 yuan a year60,000 yuan, if you want to save 400,000 deposits, it will take at least 10 years or more, and this is not an easy task.
02 The spending pressure of domestic residents is increasing.
According to the data of the National Bureau of Statistics, in 2021, the per capita disposable income of residents nationwide will be 35,128 yuan; By 2023, the per capita disposable income of residents nationwide will reach 39,218 yuan, which is equivalent to a monthly increase of more than 340 yuan.
However, in recent years, people's wages have never been able to catch up with the speed of prices, taking the price of refined oil as an example, in January 2021, No. 92 gasoline 610 yuan or so, and by January 2024, this number of gasoline** will rise"8 yuan era", and in some areas even 9 yuan liters.
To put it bluntly, the fuel cost of a month's travel covers the first salary, and the cost of transportation and other expenses caused by gasoline has risen, which in turn leads to the end goods, which has to be supported by the monthly salary, such a low income, such a high price, how difficult it is for ordinary people to save enough for 400,000!
In addition, in addition to the higher cost of expenditure due to rising prices, the high cost of education is also the reason why many families are unable to save money.
There is an institution**, urban families to achieve a child from 0 years old to 18 years old, at least four or five hundred thousand, this does not include the cost of the child's college, the tuition fee has been raised in recent years, which means that the future children's education costs are only a lot more.
In addition, in the past, it was enough to send a gift package of a few hundred yuan to attend the wedding of classmates, friends, and colleagues, but now it costs more than 2-3,000 yuan for any matter. In this way, the common people are busy all year round and can't save much money.
03 The money is in the house.
Housing prices remain so high that people who buy homes have to pay off their mortgages for decades with a large portion of their monthly income. Under this kind of pressure, once he encounters a decline in income or unemployment, then what awaits him is a huge debt problem.
Even if you are lucky enough not to face problems at work, the monthly essential education**, medical care, pension and other expenses, and the money that can be saved in the end are even less pitiful.
To be honest, in today's environment, many businesses have become a big problem to run smoothly, and in this case, it has intensified the competition for jobs in the market, and many families are fortunate to be able to break even, no longer borrow money to maintain their daily lives, let alone save money.
04 In the past, I borrowed money to spend, but now I borrow money to support my loans.
In addition to the high debt caused by loans to buy houses, another reason for the increasing debt ratio of Chinese residents is that many young people have become accustomed to spending in advance.
In recent years, the advent of the information age has provided many conveniences for residents, making it easier for everyone to learn the knowledge of overseas developed countries, and at the same time, it has also allowed some overseas cultures to take advantage of loopholes. For example, the advanced consumption advocated by Western developed countries, what kind of life should have a sense of ritual, enjoy life, and so on.
Under the impact of this kind of thinking, many young people in China who have not yet borrowed money to buy a house have been in debt, such as our post-90s, 1Nearly 90% of the 7.5 billion young people are in debt for consumption, and the per capita debt amount has even reached 1270,000 yuan. Therefore, it is also very unrealistic for a family with such a debt to come up with 400,000 at one time.
In short, although the amount of deposits in my country is increasing day by day, aside from the wealth of bigwigs such as Ma Yun, Liu Qiangdong, Zhong Sui, etc., the real deposits can reach 400,000, which can be said to be pitiful!
The vast majority of people not only have no savings, but even have ultra-high debts, and the economic downturn has begun, and ordinary people are faced with how to find a way to maintain basic survival. For those who have wealth, they are waiting for the economy to bottom out while traveling**, so as to achieve another upward leap in wealth accumulation while playing.
It is hard to imagine that the gap between the rich and the poor in the future will be huge!
Wan Ziwen said: Every word of the article is typed out by me, and I am reading it by clicking on it, so that I know that you are also doing your best for life.