Kunpeng Project
How many households in China have more than 500,000 deposits? Demystifying the identity of depositors
If you want to save 500,000 yuan in China, and have the characteristics of a person who has 500,000 savings, this question is interesting and worth thinking about. Let's study it step by step.
One thing we have to make clear is that saving 500,000 yuan is very different for everyone. For some high-income people, such as entrepreneurs, senior white-collar workers, professionals, etc., 500,000 may be only a small part of their total wealth. For the average office worker, 500,000 is simply a huge amount, which is their savings for many years.
How many people in China have 500,000 in savings? According to the 2019 China Financial Stability Report released by the central bank, China's RMB savings reached 182 at the end of 201852 trillion, and each person's savings reached 64,000. According to these figures, the Chinese who save more than half a million do not account for a large part. According to estimates, this figure is likely to be a small fraction of the entire population, perhaps one in a million.
So, who are those who have 500,000 in savings? We can roughly divide them into the following categories:
1.High-income bracket: They may be entrepreneurs, senior managers, professionals, etc. They are paid more, and if they have saved up for a few years, they may have half a million or more.
2.Investment experts: This type of people may be very good at investing, they have good returns and accumulated a sum of money by investing**, real estate, **, etc.
3.Saving Money: People in this class are more conscious of saving, they have been saving for a long time, and they have saved more than half a million dollars.
4.Inheritance: Some people can earn more than 500,000 yuan with their own family property.
Is depositing $500,000 a simple thing for most people? Of course, this is not a simple matter. Take an ordinary office worker as an example, suppose his monthly salary is 10,000 yuan, and to save 100,000 yuan, he has to work for 42 years without eating or drinking. And that's not even taking into account inflation, the cost of living, unexpected expenses, and more. So, for most people, saving 500,000 is a difficult goal to achieve.
So, how do you reach your 500,000 savings? Here are some suggestions:
1.Increase income: In order to achieve the purpose of saving, it is necessary to strengthen one's own skills and capabilities to obtain more income.
2 Reasonable financial management: Learn to manage your finances and manage your money wisely in order to accelerate your road to prosperity.
3.Economy: Cultivate good spending behavior, organize expenditures in a planned manner, and implement economy and economy.
4.Set a purpose: Set a clear goal for yourself to save for, and have a plan and measures to achieve it.
In short, it is very difficult for most people to save half a million. But we can do it by increasing our income, investing wisely, saving saves, and so on. In a sense, the characteristics of the group of more than 500,000 people who have saved more than 500,000 yuan are also a reflection of China's economic situation and development trend at that time.