Per capita deposits do not include stocks because they are too variable and may shrink by half in a few days or double in a few months, but they can be counted as assets.
Per capita deposits do not include stocks. The current deposit data provided by the central bank only refers to bank deposit financial instruments such as time deposits, large certificates of deposit, and demand deposits. Other forms of assets will not be included in the calculation. . Secondly, the tens of thousands of per capita deposits are counted as cash assets, while stocks, futures, bonds, etc. are financial assets, and the two must be counted separately.
Deposits generally refer to money deposited in banks, excluding personal financial products and stocks. It refers to the temporary transfer or storage of funds or currency in banks or other financial institutions by depositors while retaining ownership, or the temporary transfer of the right to use funds or currency to banks or other financial institutions. It is the most basic The most important financial behavior or activity is also the most important source of credit funds for banks. Per capita deposits refer to the number of deposits divided by the total number of people
The central bank previously announced the deposit balance of our country as of the end of 2020. Excluding corporate deposits, my country's residents' deposits have reached more than 90 trillion yuan, and the per capita deposit balance spread among 1.4 billion people is 66,700 yuan. In fact, my country's residents' deposit balance experienced a sharp increase in 2020, more than 10 trillion yuan more than the data at the end of 2019. On the one hand, the epidemic has reduced a certain amount of consumption, allowing everyone to save more money; on the other hand, after experiencing the ups and downs of equity instruments such as funds, some cautious people have chosen to put their money in Go to deposit.
1. Deposits can be classified in many ways. For example, they can be divided into original deposits and derived deposits according to the way they are generated. They can be divided into demand deposits and time deposits and fixed and demand deposits according to their maturity. According to the depositor, (taking China as an example), they can be divided into corporate deposits and personal deposits. Personal deposits are resident savings deposits, which are currencies deposited by individual residents in banks.
2. Time deposit. Time deposits are deposits in which the bank and the depositor agree in advance on the term and interest rate when depositing, and the principal and interest are withdrawn upon maturity. Fixed deposits are used for settlement or withdrawal of cash from a fixed deposit account. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal.
3. Demand deposits. Refers to a kind of bank deposit that the depositor can deposit, withdraw and transfer at any time without any prior notice. Its forms include checking deposit account, certified check, cashier's check, traveler's check and letter of credit. Demand deposits account for the largest portion of a country's money supply and are also an important source of funds for commercial banks.