The balance of RMB deposits in 20 18 years is 177.52 trillion. I haven't figured out the number of Chu families yet. According to the family composition in China, I estimate that the number of families in China is between 300 million and 500 million, and the middle figure is 400 million. The balance of RMB deposits here is composed of individuals and enterprises, and the proportion has not been found.
Average per household
1. Total household deposit:177.52/4 = 440,000, with an average household deposit of 440,000.
2.50% of households: the average household deposit is 220,000 yuan.
3. 10% ratio: the average household deposit is 22,000 yuan.
Number of households by deposit
1. 100% resident deposit, 177.52/50=3.5, assuming that each household deposit is the same, there are at most 350 million households with 500,000 deposits; Assuming that each family is different and the average is the same as the median, there are at most 65438+75 million families.
2.50% resident deposits, each deposit is different, so there are at most 87.5 million households.
3. 10% resident deposits, each deposit is different, so there are at most 0.1750,000 households.
There is no specific ratio between household deposits and corporate deposits. It is estimated that the maximum number of households with 500,000 household deposits in China is 6.5438+75 million, and the minimum is not less than 6.5438+075 million. Welcome to your seats.
The savings of most families in China reach 500,000 yuan, because a family can save 500,000 yuan in five years as long as it saves 6,543,800 yuan a year. It is not unusual for many families to earn tens of thousands of yuan a month now. It has also been pointed out that although 500,000 deposits are not too much, it will be really difficult to accumulate them. It is not easy to reach 500,000 yuan in economically developed cities, not to mention that according to the national level, the majority of families in China account for more than 500,000 yuan, but according to the standard of 500,000 yuan, most families in China are less than 500,000 yuan. Moreover, the survey also shows that about 60% of residents under the age of 35 have no deposits. And even some deposits are as high as100,000, and families with 500,000 deposits may not reach 5% in the country.
The number of households with deposits of 500,000 is still buried. After all, there are many names on the rich list, and the consumption level in first-tier cities is high. There are certainly many people with 500,000 household deposits in China, but this is an inertial thinking that ignores the population distribution of our country. In the past, people may deposit their money in the bank as soon as they get paid, but after they get paid, most of them are used for consumption and investment. Moreover, the inflow of real estate and money funds has increased significantly in recent years, mainly because of the rise in housing prices and the development of internet finance. Therefore, with the progress of society, people will make full use of their savings, resulting in a decrease in household savings.
First-tier cities are densely populated places, with the largest population and the richest people in the country. But we must know that there are only a few first-tier cities, and the population will not be more than other cities. So in some places, it may be normal for a family to deposit more than 500 thousand.
In recent years, with the vigorous development of China's economy, both citizens in the city and farmers in rural areas have bulging pockets, and their quality of life has been greatly improved. Even many China people have gone abroad to snap up goods, and even foreigners think that China people are really rich! As a result, how many families in China have more than 500,000 deposits and how many families have less than 500,000 deposits, which has aroused heated discussions from all walks of life.
Some media believe that the savings of most families in China reach 500,000, because a family can save 500,000 in five years as long as it saves 654.38+million a year. It is not unusual for many families to earn tens of thousands of yuan a month now. It has also been pointed out that although 500,000 deposits are not too much, it will be really difficult to accumulate them. It is not easy to deposit 500,000 yuan in economically developed big cities, let alone according to the national level.
In this regard, we believe that if the total family assets are calculated, most families in China account for more than 500,000, but if the deposit is 500,000, the savings of most families in China are less than 500,000. Moreover, the survey also shows that about 60% of residents under the age of 35 have no deposits. And even some deposits are as high as100,000, and families with 500,000 deposits may not reach 5% in the country.
First of all, it is difficult for ordinary families in China to save much money. For residents in big cities, although the income is relatively high, the housing prices in big cities are expensive. More than half of the monthly income of buyers has to pay back the mortgage, and the rest of the money has to be used for daily expenses. It takes decades to repay the loan. Therefore, the high housing prices in China have ended many people's hopes of accumulating wealth. There are many wealthy families in rural areas, but most farmers go out to work and save a little money. They all build new houses at home and can't save much money at all.
Furthermore, even if the average savings deposits of China residents are taken out, many people already feel that they have been averaged. By the end of the first quarter of 20 19, China's resident deposits reached 77.67 trillion yuan, with a per capita income of 55,600 yuan. According to the calculation of three people in each family, the average household reaches166,000 yuan. Even if the average household reaches166,000, many people say that it has been averaged, and the deposit of166,000 is still far from the deposit of 500,000.
In addition, according to bank statistics, the vast majority of depositors are within 50%. 201410129, the State Council passed the deposit insurance regulations, and the data at the end of 20 13 were analyzed. According to the maximum compensation limit of 500,000 yuan, 99.63% of depositors can be covered, which means that the distribution of residents' deposits in China is extremely uneven. As for the number of families over 500,000, it is not bad to account for 0.5% of the total population.
Finally, even if someone already has a house and a car at home, they don't raise children, reducing the frequency of foreign exchanges. Wage income can be saved by 6,543,800 yuan per year, and it can reach 500,000 yuan in five years. However, five years is not a short time. Who can guarantee that you won't get sick, lose your job or have any unexpected events? Once something happens, things will be different. The plan to save money to 500,000 yuan will be ruined. Therefore, even for high-income families, it often takes a lifetime of efforts to save 500,000 yuan, and saving 654.38+00,000 yuan is even astronomical.
It is a fact that many families in China are getting richer and richer. However, it is far from being very rich. Part of our usual income is used to pay off the mortgage, children's education, medical expenses and so on. Most families can save 10,000 yuan a year, but 500,000 yuan is not a small sum in China. Perhaps many families may not be able to achieve this "small goal" after a lifetime of hard work. In most families in China, the deposit is far below 500,000. After all, there are still a few deposits that can exceed 500 thousand. At best, only 5 million households have more than 500,000 savings, which is a very small proportion of China's total population.
At present, there are many deposits below 500 thousand. Why? Because it is 500 thousand, this money needs to be given to children, especially those who adopt sons, to pay the down payment for buying a house. If it's not enough, make it up! This is an iron fact! Young people now, I am born after 60, not counting! Since the 1970s, not many people have 500,000 deposits in their hands. Why do you have to support your family, educate your children, and educate your own children? You are just about to enter the society, and you don't have enough money to spend. Where can you get savings? Some post-70 s business people are successful, but in the present situation, they can only rely on where to do it and where to use it. Basically, it is a loan operation, which looks glamorous, but it is actually a misappropriation of operating funds! Use it first and pay it back slowly! Make ends meet! After 80, I was busy educating my children and paying my mortgage. I can only be old! I have been in business for several years. Even if I open a shop, I can't bear to get along well. I just bought a house and my family is not good. I'm still trying. I have a deposit of 500 thousand. That was in my dream! After 90, do you have 500 thousand deposits? Just use your head! Is there a deposit of 500 thousand after 00? Do you have a deposit of 500 thousand? Yes, people born 60 years ago have been frugal and saving money all their lives, but it is a piece of cake to meet the present situation! For the sake of family happiness, there are 500 thousand deposits, which must be exhausted! Otherwise there will be endless trouble! The so-called 500 thousand deposit, the person who asks questions, should specify the crowd range, I guess, you are aimed at ordinary people! Otherwise, there are hundreds of millions of deposits, so I won't say much!
In recent years, with the vigorous development of China's economy, both citizens in the city and farmers in rural areas have bulging pockets, and their quality of life has been greatly improved. Even many China people have gone abroad to snap up goods, and even foreigners think that China people are really rich! As a result, how many families in China have more than 500,000 deposits and how many families have less than 500,000 deposits, which has aroused heated discussions from all walks of life.
Some media believe that the savings of most families in China reach 500,000, because a family can save 500,000 in five years as long as it saves 654.38+million a year. It is not unusual for many families to earn tens of thousands of yuan a month now.
It has also been pointed out that although 500,000 deposits are not too much, it will be really difficult to accumulate them. It is not easy to deposit 500,000 yuan in economically developed big cities, let alone according to the national level.
In this regard, we believe that if the total family assets are calculated, most families in China account for more than 500,000, but if the deposit is 500,000, the savings of most families in China are less than 500,000.
At the end of 20 18, the balance of domestic household deposits of financial institutions nationwide was 72.44 trillion yuan. Divided by the population of 65.438+0.4 billion, the per capita income is 5.65438+0.8 million yuan. If there are four people in a family, the savings will be a little over 200,000.
Please note that this 200,000 yuan is an average. Due to the uneven distribution of social wealth in China, there is a big gap between the rich and the poor. China's current Gini coefficient is about 0.48. The Gini coefficient exceeds 0.4, indicating that the gap between the rich and the poor in society is quite wide. Therefore, most families' savings-perhaps more than 60%-are less than 200 thousand, let alone 500 thousand.
China has always been a developing country. Last year, its per capita GDP just exceeded $9,800, ranking 70th in the world. According to the data of the National Bureau of Statistics, the per capita disposable income of the national residents in 20 18 was only 28,200 yuan, with a median of 24,300 yuan. In other words, the disposable income of half the population in China is less than 24,300 yuan, and the annual income of a family of four is 97,200 yuan. Excluding the expenses, how much is left?
In addition, since 10, the real estate prices in China have risen rapidly, and most families have been hollowed out by houses. What they owe the bank is not deposits, but a lot of debts. In many small counties in China, it costs 700 thousand to buy a house. How many families buy houses without loans? Very little. Very little.
Therefore, there are many families under 500,000, estimated at 80%, and most of them are concentrated in small cities and rural areas. In the developed eastern coastal areas, there are many families with deposits exceeding 500,000, but compared with the national population of 654.38+04 billion, this proportion is definitely not high.
The absolute number of households with deposits below 500,000 is very large, and the relative proportion is still very low, accounting for less than 1%.
According to the data of the central bank, by the middle of 20 18 years, the balance of Chinese residents' deposits was 68 trillion, and 50 trillion deposits were in the hands of100000 people, with a per capita income of 5 million; 10 trillion deposits are in the hands of 300 million people, with a per capita income of 33,000; There are still 8 trillion deposits left, which are in the hands of10.2 billion people, with a per capita income of 8,000.
The above data show that wealth is basically concentrated in the hands of 0.6%, and 73% of deposits are occupied by 0.6%; And 14% of the deposit is occupied by 19.04% of the people; And 80% people share 1 1% wealth.
This data just satisfies Law 28. That is, 20% people own 80% social wealth.
Then, according to the above data, 1% is less than 500,000 households.
Of course, families with no savings, or families with less than 500,000 savings, do not mean that they have no assets or have few assets. Many people are not used to saving money now. Especially young people, their money is basically used for investment or consumption, and they basically don't keep it in the bank. But this does not mean that they have no money and no ability to create wealth.
It is not appropriate to measure a family's wealth simply by bank deposits.
Hello, author, I'm Sister Jin, and I'm an accountant for several years. First of all, your question must be clear. It must be a deposit, not any other type of assets. Then what does the threshold of 500,000 mean? Sister Jin, I'll tell you the answer from the accounting point of view!
According to the report released by the Central Bank of China on 20 19, there are less than 6 million households with more than 500,000 bank deposits in China, and the proportion with more than 500,000 deposits only accounts for 0.4% of the total depositors. So from an objective point of view, people with 500,000 deposits are already "elites" in the crowd.
Now China people put their money in their houses, and the real cash assets are nothing. Therefore, a family with 500,000 savings and 3 million houses is considered a small middle class in China. The "28 law" in financial distribution is eternal, but have you ever thought that the imbalance of wealth distribution is much more serious? According to the statistics of Hurun Wealth Report in 20 19, the total number of households with total assets of 6 million in China is 4.88 million, and the total number of households with total assets of10000 is 20 10000. In other words, the total number of households with total assets such as deposits and real estate exceeding 3.5 million only accounts for about 2% of the total number of 430 million households.
Therefore, there are still very few families with a deposit of 500,000!
This is just Sister Jin's personal opinion, I hope it will be useful to you!
Although China's economy is growing and its per capita income is increasing, there is a big gap between the rich and the poor in China and a large rural population. Coupled with the state's free loans to build houses, many families have built houses even if they don't have the strength, so there may still be some people in debt, especially the new generation of young people, who like to spend in advance, including mortgage and car loans, so they have given a great boost to those who have no deposits, and we can't refuel, especially after 90.
There are more families with less than 500 thousand deposits. Although China's economy has developed rapidly in recent years, and the per capita annual income is also increasing, it is not a small amount for all families in the country to reach 500,000 deposits.
We in China are famous for our frugality and housekeeping. Now middle-aged and elderly people are influenced by the thoughts of the older generation. Generally, they will scrimp and save some money.
But these deposits are very few, because ten years ago, the economy was not so developed and the wages were relatively low. They use their only wages to ensure the family's living expenses, children's education and other necessary expenses.
Although the salary will increase gradually, the savings will be more than before. However, as children grow up to go to college and get married, a series of things will consume most of their savings at once.
Therefore, ordinary middle-aged and elderly people save 500,000 yuan except those private enterprise bosses who start businesses. Even the proportion of private bosses in the country is only a small part.
In recent years, China has developed rapidly, and the economic development of coastal cities has attracted most college graduates and aspiring young entrepreneurs.
Although big cities have high wages and good prospects, they have high housing prices and high living costs. Let most young people bear heavy mortgages and car loans, and there are not many deposits in their hands.
Even successful entrepreneurs are occupied by the company's projects, otherwise there will be no extra deposits in the hands of secondary investors.
There are not many families with assets below 500 thousand, and many families with deposits below 500 thousand
In my opinion, there are two main types of families now:
This may be the portrayal of most working-class families.
Most of the couple's income is used to pay off the mortgage except for maintaining the daily expenses of the family and the expenses of the children.
First, a small house was mortgaged, and most of the monthly income was mortgage. A few years later.
Then after having a child or a second child, the original small house is not enough to live in and needs to be replaced with a big house.
So I changed my house and paid the mortgage from scratch.
In short, there is always a mortgage.
Among them, some have car loans.
Therefore, not to mention 500,000 yuan, 6.5438+10,000 yuan may not be available.
This is a portrayal of a few families.
The family income is relatively high, with a family income of more than 300 thousand a year, and the couple are well-off.
The mortgage of the house I live in has already been paid off, and most of the annual family income is surplus after deducting daily expenses and children's expenses.
It is easiest to invest the extra funds and buy wealth management. You can also invest in real estate, buy shops for rent, buy houses for rent, or invest in stock futures.
The income generated by these investments is more than the annual salary of an ordinary working class.
This kind of family life is very comfortable, but there are not many deposits, because they are all investments, and the deposits cannot exceed 500 thousand.
The above is my personal opinion. Do you have a better view of this problem? Please comment and exchange.