Per capita deposits do not count as stocks. At present, the deposit data given by the central bank only refers to bank deposit financial instruments such as time deposits, large deposit certificates and demand deposits, and other forms of assets will not be counted. Secondly, tens of thousands of deposits per capita are cash assets, while stocks, futures and bonds are financial assets, and the two should be counted separately.
Deposit generally refers to the money in the bank, excluding personal wealth management products and stocks. It refers to the depositor's temporary transfer or deposit of funds or currency in banks or other financial institutions, or temporary transfer of the right to use funds or currency to banks or other financial institutions while retaining ownership. It is the most basic and important financial behavior or activity and the most important source of credit funds for banks. Per capita deposit refers to all deposits divided by the total number of people.
The central bank previously announced the balance of China's deposits at the end of 2020. Excluding corporate deposits, China's resident deposits have reached more than 90 trillion yuan, and the per capita deposit balance allocated to 654.38+04 billion people is 66,700 yuan. In fact, in 2020, the balance of residents' deposits in China increased significantly, which was 10 trillion yuan more than the data at the end of 20 19. On the one hand, the epidemic has reduced certain consumption and allowed everyone to accumulate more money; On the other hand, after experiencing the ups and downs of equity instruments such as funds, some cautious people chose to put their money in deposits.
1. Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits, time deposits and time deposits, and according to different depositors, it can be divided into corporate deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.
2. Time deposit. Time deposit is a kind of deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit and withdraw the principal and interest after maturity. Time deposits are used to settle accounts or withdraw cash from time deposit accounts. If customers need funds temporarily, they can apply for early withdrawal or partial early withdrawal.
3. Current deposit. It refers to a kind of bank deposit that depositors can access and transfer money at any time without prior notice. Its forms include checking account, certified check, promissory note, traveler's check and letter of credit. Demand deposits account for the largest part of a country's money supply and are also an important source of funds for commercial banks.