The central mother "touched the row", China's per capita deposit is "released", how many families have more than 300,000 deposits?
Recently, the central mother released the latest financial data, including the per capita savings of Chinese residents. After this round of investigation, people found that despite China's rapid economic development, per capita savings have not increased as much as expected. So, how much is the per capita deposit in China? How many households have more than 300,000 savings?
According to the data released by the central mother, as of the end of last year, the per capita savings of Chinese residents were about 9420,000 yuan. This figure has grown steadily compared with previous years, but compared with China's GDP growth rate and per capita income growth rate, the growth rate of deposits appears to be relatively slow. Behind this is a reflection of the change in the consumption concept and investment mode of Chinese residents. Over the past few decades, there has been a widespread "culture of saving" among our residents, which is the habit of depositing a portion of their income in the bank for a rainy day. However, with the development of the economy and the gradual opening of the financial market, more and more residents are inclined to invest their funds in financial products such as ** and other financial products in order to obtain higher returns.
So, how many households have more than 300,000 in savings? According to the results of the central mother's survey, the number of households with deposits of more than 300,000 nationwide is about 95.53 million, accounting for 20% of the total number of households in the country. This percentage has increased compared to previous years, but it is still in the minority. These families usually have higher incomes or have some wealth accumulation.
For families with savings of more than 300,000 yuan, they usually have the following characteristics: First, they have a higher income. These families usually have highly educated, highly skilled people who can earn a higher income in the workplace. The second is to pay attention to financial management. These families usually pay attention to market dynamics and choose financial products that are suitable for them to invest in order to increase their wealth. The third is rational consumption. These households usually consume according to their actual needs, avoiding overconsumption and blindly following trends.
For families who have not reached the deposit of 300,000, they may face the following problems: First, the income level is low. These families often work in low-skilled, low-income jobs and struggle to earn higher incomes. The second is the lack of financial literacy. These families may not understand the market dynamics and investment risks, and it is difficult for them to choose the right financial products for their investment. Third, the debt burden is relatively heavy. These households may have a debt burden such as a mortgage or car loan, resulting in less savings.
In view of the above situation, ** society should take the following measures: First, increase the income level of low-income families. Through policy support and vocational skills training, we will help low-income families improve their income levels. The second is to strengthen the popularization of financial knowledge. Through financial institutions and communities, we will popularize financial knowledge to residents and improve their investment awareness and risk awareness. The third is to reduce the debt burden of low-income households. By optimizing policies in areas such as housing and education, the debt burden of low-income households will be reduced.
In short, the results of the central mother's "touch and row" show that China's per capita deposits have grown steadily, but the growth rate is relatively slow. The number of households with savings of more than 300,000 is relatively small, but the proportion has increased. According to the situation of different families, ** and society should take corresponding measures to help residents achieve wealth growth and accumulation by raising the income level of residents, strengthening the popularization of financial literacy, and reducing the debt burden of low-income families.