What is the level of 1 million deposits in China? Bank employees are "outspoken".What is the level of a person with a deposit of 1 million in China? I believe many people will be curious about this question. Recently, I interviewed a bank employee about this question, and he gave the answer, while also revealing some secrets that we may not be aware of.
We have to be clear about one thing, that is, what standard is this "1 million come by." Here, we are mainly talking about RMB deposits. According to data released by the People's Bank of China, as of the end of 2021, China's RMB deposit balance was about 110 trillion yuan. So, what is the level of 1 million RMB deposit in this context?
1.Perspective on the distribution of wealth.
From the point of view of wealth distribution, people with 1 million deposits are at the upper middle level of the population in our country. According to the "2019 China Family Wealth Report" released by China Merchants Bank, the distribution of household wealth in China presents a "pyramid" shape, with a few families at the top owning most of the wealth. Households with 1 million deposits account for a certain proportion of the overall household wealth in our country, but it is not very high.
2.Cost of living perspective.
From the perspective of the cost of living, the meaning of 1 million deposits in different regions and different families in China is different. In some big cities, such as Beijing, Shanghai, Shenzhen, etc., a deposit of 1 million may only be enough to pay a down payment on a house. In some small cities or rural areas, a deposit of 1 million may be enough to meet a family's daily needs, and even some of it can be used for investment or savings.
3.From the perspective of investment and financial management.
From the perspective of investment and financial management, 1 million deposits in China's current financial market environment is a lot of money. When used properly, this funding can bring significant benefits. But at the same time, it is also necessary to pay attention to risk control to avoid capital losses caused by investment mistakes.
What is the level of a person with a deposit of 1 million in our country? The bank employee bluntly told me: "Actually, it is not uncommon for people with 1 million deposits to be found in our country, and most of them belong to the group with stable income and certain savings ability. But against the backdrop of an uneven distribution of wealth, they are not particularly wealthy. They may be struggling in big cities and working hard for a living, or they may be entrepreneurs, intellectuals, etc., in small and medium-sized cities or rural areas. ”
The bank employee also revealed a secret: "In fact, many people with 1 million deposits are not willing to show it easily. Because they know that this focus on wealth is often accompanied by jealousy and suspicion. They prefer to live a low-key life and enjoy the fruits of their hard work. ”
In China, people with 1 million deposits are in the middle range. The significance of this level varies from region to region and from household to household. However, no matter how much wealth we have, we should cherish our efforts and dedication and live our lives well. So, what challenges and confusions do people with 1 million savings encounter in their lives? We'll talk next time.