A while ago, Mr. Bai Yansong was directly on the hot search, and the reason why everyone put him on the hot search was that he asked an economic expert a question in the show:
What if the people have money but dare not spend it?
It is said that many people subconsciously touched their pockets when they heard this question, and exclaimed when they were expelled from the ranks of ordinary people, because everyone felt that the situation was completely different from what Bai Yansong said, I am willing to spend money, but what about money?Where?You say I'm rich, you have to have proof.
Bai Yansong also gave evidence in the program, his evidence is the statistics of the Bureau of Statistics, and the middle-income population in China has reached 4600 million, the largest in the world;As for the standard of middle-income income, it is a monthly income of 3,000 yuan.
You see that the middle-income population is the largest in the world, how can the scale of consumption be so small, you have to stimulate consumption, you have to spend money.
Let's not discuss whether this standard is okay or not, simply on the matter of whether you can save money with a monthly income of 3000, I don't know if Mr. Bai Yansong has eaten in the public free canteen for a long time or what, I always feel a little untainted by the taste of the world.
A salary of 3,000 a month, in any city with a bit of a promising future, it would be good to be able to support yourself, the rent and water and electricity are hundreds, and you will always have to eat and drink one or two thousand a month, if you are a middle-aged person, you have to support the elderly, you have to raise a child, education costs money, and illness costs money, all pointing to this salary, what should be spent, what can be spent, how did you come to the conclusion that everyone still has money.
Therefore, the expert interviewed did not say anything, he said that many people have just reached the threshold of middle income, and it is not stable, and the protection of education, health care and other aspects is not perfect enough. If it is said that it is open, it is a guarantee compared with Africa, how can your consumption be on par with Europe and the United States?So a big misunderstanding in society now is:
They think that you have money but don't spend it and you actually don't have money and you have to rely on online loans to make a living.
I feel that everyone has money in the card probably from the total amount of bank savings that has increased year by year, this figure is not wrong, the amount of deposits absorbed by major banks has increased overall, I checked the data of CCB, and the deposit scale in the first half of 2022 is 24180,000 yuan, compared to 27 in the same period in 202363 trillion, an increase of 142%, while the size of deposits of other major banks has also increased significantly.
But the total amount is the total amount, the structure is the structure, for example, Boss Ma saved 100 million this year, 200 million next year, from the total amount, the total amount of deposits has increased significantly, but it does not delay that I can't save money The balance is zero, and I don't delay you can't save money The balance is zero, the reason is this.
China Merchants Bank publishes performance reports every year, and you can go to the official website to feel the user composition behind the thousands of small target assets added by China Merchants Bank every year. Taking the third quarter of 2023 as an example, the total customer assets (AUM, including but not limited to deposits) of China Merchants Bank increased by more than 9,500 small targets compared with the end of the previous year, and the increase was as high as:
So what is the main composition of this part of the increment?As we all know, China Merchants Bank divides customers into three levels, the first is the top private banking customer, which requires an average daily asset of more than 10 million;The second is the Golden Sunflower customer, which requires an average daily asset of more than 500,000 yuan;The rest are regular customers.
7.The composition behind the 9% growth rate is:
The total assets of customers under management of Golden Sunflower and above increased by 8 compared with the end of the previous year08%；The total assets of private banking clients under management increased by 836%；
You see, both outperformed**, and it can even be said that the main driving force for the increase in total bank deposits is that the owners with average daily assets of 501,000,000 or even 10 million have saved their money and not spent it, which has little to do with ordinary people.
In other words, the increase in the total amount can have nothing to do with you personally.
The more murderous data in the performance report of China Merchants Bank is that they give a detailed account of the total assets of customers above the Golden Sunflower level, which is 106,6381.2 billion yuan, and the total number of golden sunflower (and above) customers of China Merchants Bank is 452920,000 households, and it is known that the total number of customers of China Merchants Bank is 19.4 billion households, with total assets under management of 130,803 customers9.2 billion yuan.
Calculate a simple math problem, and you will find an interesting truth: accounting for 2 of the total number of customers of China Merchants Bank33% of the customers of Golden Sunflower and above have 8153% of the client's assets (including but not limited to deposits), and the remaining nearly 98% of the people, corresponds to the remaining 20% of the assets.
You think the rule of 28 is 20% vs. 80%, but the actual rule of 28 is 2% vs. 98%.
Friends who feel shocked can send me a private message in the dialog box after reading the article, asking for an original link to the performance report of China Merchants Bank, and check it yourself. Bai Yansong felt that everyone had money in their pockets but didn't dare to spend it, probably only saw the increase in total deposits with an increase of up to 8%, as for the other two customer groups, the higher deposit growth rate was not seen, or saw it but couldn't say, I don't know.
Of course, this is only at the data level, and data is a cold content medium, and sometimes it is difficult to poke people. The documentary launched by NetEase at the beginning of the year truly showed everyone the living conditions of the vast majority of ordinary middle-aged and elderly people, and the documentary is no longer visible, so I won't talk about it much, it's rude. There are some stories in it that let me see the shadow of my father. Some migrant workers cannot go to the construction site because of their age, but they have no money to earn when they go back, and they can't even support themselves, so they can only squat in the gig market and wait for work, and their income is very unstable. An eldest brother of a migrant worker said that he did not work last month, did not earn any money, and the village asked for more than 300 yuan a year for the NCMS, and he had no money to pay, so he had no choice. 
The documentary summarizes their ordinary life in a paragraph, from not having enough snacks to eat, starting to work as coolies when they are full, starting to work after finishing coolies, getting old when they finish working, and having to do it when they are old:So many buildings have been built, but none of them belong to them. Take the opening question and ask these people why they built so many buildings and didn't buy a house of their own, thinking politely, probably because they had money in their pockets but didn't dare to spend it.