Real estate belongs to assets, and 500,000 deposits are also part of assets. Do you mean that less than 0.37% people have more than 500 thousand assets after excluding the assets held by real estate?

I have some data here, you can have a look.

Let's first calculate the population of our country at 1.383 billion. Among these people, only 0.3% have deposits of more than 500,000 RMB, so only 415800 people have deposits of more than 500,000 RMB.

There are even fewer people who deposit 6.5438+0 million yuan, accounting for only 0. 1%, which is equivalent to only 6.5438+0.383 million for adults.

It shows that the proportion of people with less than 500 thousand deposits is really small, but this is not directly related to whether the property is excluded. The two are not contradictory.

But from the perspective of assets, not including real estate, in fact, there are still many people with assets over 50!

First of all, there are nearly 4 1.5 million people who deposit 500,000 yuan;

Secondly, according to the statistics of the opening of science and technology innovation board in 20 19, 3.2 million A shares opened the science and technology innovation board;

In other words, only these two items add up to 7.35 million people, accounting for 0.525%, so it is not as small as 0.37%!

Not long ago, the "20 19 China Private Wealth Report" jointly released by China Merchants Bank and Bain Company showed that in 20 18 years, the number of high-net-worth people with investable assets above100000 yuan in China reached197000, accounting for 0. 14%. It shows that there are many investments in China besides real estate, but real estate accounts for a relatively large proportion.

However, while there are 654.38+97 million high net worth people in China, there are almost 560 million people in China, and their bank deposits are zero. In other words, four out of every ten people in China have no bank deposits.

Since there is no deposit, where did all the money go? Maybe it's not that people don't like saving money, but that they have no money to save.

Many people used their savings to buy houses. Now it takes three generations to get enough down payment to buy a suite, and then we have to pay it together every month. After destocking, some people with little savings can use all their funds to buy a house and need to pay off a part of their mortgage every month.

Therefore, the shortage of deposits is a social phenomenon at present, because most people either pay it back or use it for other investments. But it is not necessarily related to real estate.

In the first half of this question, "less than 0.37% of people actually save more than 500 thousand", I agree!

However, there are certain contradictions when the whole problem is linked together. Real estate belongs to assets, and the question you asked is deposit. If "deposits" are replaced by assets, it becomes "excluding real estate, less than 0.37% of people have real assets of more than 500,000. Do you agree? "

Then my answer is no! Because in addition to real estate, not only 0.37% of people have assets of more than 500,000!

There are two sentences that say, "Six-digit bank passwords protect three-digit bank deposits, which is a kind of sadness" and "No deposits, no loans". These two sentences indirectly reflect that there are very few people with deposits in today's society, on the contrary, there are more people with debts. So there are even fewer people who want to deposit more than 500 thousand in the bank. I agree that less than 0.37% of the people actually deposit more than 500 thousand in the bank. Let's analyze it with data.

According to the survey data of the Deposit Insurance Regulations released on 20 15, there is a reason why the Deposit Insurance Regulations protect depositors from exceeding 500,000 yuan! Because the proportion of people who actually have 500,000 yuan in bank deposits in China is 0.37%, and 99.63% of them have less than 500,000 yuan in deposits, this deposit insurance regulation comes from the fact that the maximum payment when a bank goes bankrupt does not exceed 500,000 yuan, which guarantees the deposit safety of 99.63% depositors. From this data, it can be fully explained that less than 0.37% of domestic real deposits exceeding 500,000 yuan are true.

Thirdly, according to the data of the central bank and the personal deposit survey data in 20 18, the balance of deposits is 72.44 trillion yuan, and the per capita deposit is 5 193 1 yuan based on the total population of1400 million. As can be seen from this data, if the average person with a bank deposit of about 52,000 yuan, people with more than 52,000 yuan are relatively rich, not to mention very few people with deposits as high as 500,000 yuan. I think most people have less than 500 thousand in the bank.

In addition, once again analyze where all the money in the current society has gone.

At present, it is difficult for society to make money and it is even more difficult to save money. At present, with the pressure of everyone's life, house prices remain high, bank deposit interest rates are too low, and so on.

China's personal assets and family assets are mainly real estate, and few individuals or families actually have deposits. According to the data about urban families, the average assets of urban families are161700,000 yuan, of which family assets account for 77.7%, while real deposit assets are less than 10%, and other assets such as stocks, funds and wealth management products account for a lower proportion.

Based on the above analysis, we can know that the assets of both individuals and families in China are mainly real estate, accounting for 70% of the total assets; Another reason is that the bank deposit interest rate is too low, and the three-year deposit interest rate is only 2.75%, which is completely out of touch with the inflation rate; These two factors directly lead to very few domestic deposits, and even fewer people with deposits as high as 500,000, so it is not surprising that the proportion of deposits exceeding 500,000 is 0.37%.

Generally speaking, if a person or family currently has a house and a car, no other debts, a stable job, and an individual or family has more than 500,000 deposits, it is considered rich, what's more, being rich means completely achieving a well-off life, which is quite good compared with many lives.

The above analysis and data are the current domestic situation. If you have money, you can either buy a house or invest in something else. There is no way to save money. Few people actually save money in the bank, and even fewer people save more than 500 thousand. That is the reality.

This question is not scientific enough. Savings have nothing to do with real estate. What do you mean by excluding real estate? Still not including the mortgage? So it can only be said that less than 0.37% of people save 500 thousand? Is this data correct?

After the implementation of 20 15 deposit insurance system, if a bank goes bankrupt, the personal deposit of the same bank can only be paid 500,000 yuan first, and the excess needs to be paid off after the bank goes bankrupt and liquidates. At that time, the People's Bank of China explained that the payment standard of 500,000 deposit insurance could cover 99.63% of users' deposits. That is to say, in 2065,438+05, about 0.37% of individuals had more than 500,000 deposits in the same bank, or about 5,654,380+million people. If we consider that a person with more than 500,000 may have more than 500,000 in several banks,

It has been more than four years now, and it is estimated that great changes have taken place long ago. After the implementation of deposit insurance system, people pay more attention to the safety of funds. Many people may spread more than 500,000 funds in different banks. In this way, it is even less likely that a single person will deposit more than 500,000 in the same bank, but this does not mean that the total deposit exceeds 500,000, let alone that the people are getting poorer and poorer. According to the data released by the National Bureau of Statistics, the deposits in 20 18 years increased by nearly 42 trillion compared with 20 15 years.

Calculated by 65.438+04 billion people, 0.37% is about 56.5438+08 million people, and the deposit of 500,000 yuan per person is about 259 million. Even if calculated by the deposit of 5 million yuan per person, the total amount is only 25.9 billion, which is only about 3.6% compared with the total deposit of 72 trillion residents at the end of 2065.438+2008 in China, which does not conform to the "28 Law" at all.

Now, bank deposits are no longer a necessary item for ordinary people to store financial assets. Many families' financial assets have turned to stocks, funds, insurance, wealth management, deposits and other multi-asset allocation methods. Personally, I think the proportion of bank deposits is less than 10%, and another 90% of financial assets are concentrated in internet banks, stocks, funds and so on. Therefore, it is obviously out of date to measure a family's wealth only by bank deposits.

So I think it is meaningless to simply discuss per capita deposits. Now many local governments no longer publish per capita deposit data.

I don't agree with this view.

How much Qian Qian is real. According to the statistics of the central bank, in 2008, the balance of deposits in the national residential sector was 710.6 trillion yuan. According to the calculation of 201end of 813.95 million people, the per capita deposit balance is 5 10000 yuan.

In fact, we also know that many low-income groups, young people under the age of 20 and children don't have much savings, so it is normal for almost half of them to save very little.

China Family Finance Report of Southwestern University of Finance and Economics shows that 10% households save the most, accounting for 75% of the total savings. Proportionally, the per capita deposit of 10% richest families is as high as 385,000 yuan.

According to the scale of a family of 3. 1 person of the Health and Health Commission, in fact, the average deposit of the richest family of 10% can reach10.2 million yuan.

Therefore, according to this calculation, households with deposits of more than 500,000 can at least reach 6%~7% of the total number of households, not a very small 0.37%. This ratio regards our country as too poor.

Southwestern University of Finance and Economics 20 18 China Urban Family Wealth Health Report shows that the average total assets of urban families in China are 16 1.7 million yuan, of which real estate accounts for 77.7%, and financial assets allocation accounts for only1.8%. Even if calculated according to the ratio of 1 1.8%, the corresponding family financial assets have reached 19000 yuan.

How many millionaires are there in China?

According to the 20 19 China Private Wealth Report released by China Merchants Bank, the number of high-net-worth people in China with investable assets above RMB100000 is as high as1970000. Investable assets are assets that are difficult to realize except self-occupied real estate.

654.38+0.97 million people correspond to 654.38+0.97 million families. There are 65.438+39.5 million people, including 450 million families calculated by the average family size of 36.5438+0 people. In other words, the number of multi-millionaire families can reach 0.437%.

There are many rich people in China, but people generally don't like to show off their wealth. So don't underestimate them.

Yes, but don't underestimate this figure. You know, China has a population of 654.38+04 billion, and 0.37% is 565.438+08 million. If about 300 million students with no income are removed, it is equivalent to 5 out of every/kloc-0.000 people with 500,000 deposits, which is already very high in developing countries.

Don't forget that nine times out of ten contemporary young people are in debt, such as mortgage, car loan, credit card and so on. And they don't know if they earn enough money every month, so only a few young people can save money, others are middle-aged and elderly.

However, the wages of middle-aged and elderly people have generally only increased in recent years. Before and after 2005, the salary of second-tier cities in strong provinces was only about 2000, while that of ordinary cities was basically 800- 1500. After that, if you don't eat or drink, you may not have saved up to 500 thousand now. If we calculate further, the salary was generally several hundred yuan before 2000, and there were still many people with a monthly salary of several tens of yuan in the sixties and seventies, so the time to really save more money was in the last ten years. Therefore, families with less than 500,000 deposits are extremely common in non-first-tier cities.

A survey by Southwestern University of Finance and Economics shows that more than half of the households in China have no savings. Of course, this has nothing to do with net assets, but from the perspective of bank deposits. The vast majority of these families come from post-80s families, among which the 85 -95 age group belongs to the group with the highest debt ratio.

As a financial worker, I quite agree with this view, which is also in line with the actual life of ordinary people in China.

On the one hand, China people's household assets are mainly real estate, accounting for more than 80%. Even many people are in debt for this house, and the household leverage ratio is high. If this house is excluded, many people may be "negative".

On the other hand, there are nearly 500 million families in China with a population of 654.38+0.4 billion, and the families with a deposit of 500,000 are generally high-income families in China. Calculated by 0.37%, that is, (65.438+0.4 billion people multiplied by 0.37%) is about 5.65438+0.8 million people. It may be a little less, but it should be based on the reality of China.

Sorry, I don't agree with this conclusion.

The statement that "less than 0.37% people actually save more than 500,000 after excluding real estate" has certain problems in itself.

1, no time specified.

To judge whether a data about residents' deposits is accurate, we must first look at the specific time.

The biggest problem with this sentence is that there is no clear data such as the specific time and the scope of residents. It looks like a model, but it lacks support.

Cai Xiao looked up the historical news and found a sentence like this: "The Deposit Insurance Ordinance was officially implemented in 20 15, and the maximum repayment limit of 500,000 yuan can provide full protection for 99.63% of deposit accounts 100%, that is to say, 0.37% of accounts have deposits exceeding 500,000 yuan."

This is probably the original source of this passage.

There is a big difference between real estate and deposit.

The real estate is the house where we live, and the deposit is the money we have in the commercial bank. There are great differences in financial attributes between the two. Therefore, this sentence has many semantic defects-perhaps it can be asked that less than 0.37% of people have more than 500,000 real financial assets after excluding real estate.

3. Are there more than 0.37% people who have more than 500,000 domestic deposits?

According to the above analysis, we know that the calculation of 0.37% is 20 15, and now it is 20 19.

At the same time, the balance of residents' deposits has increased substantially. Statistics from the National Bureau of Statistics show that at the end of 2065,438+05, the monthly savings deposit of urban and rural residents nationwide was 546,000, and it increased to 765,438+06,000 at the end of 2065,438+08, an increase of 29.3%.

In four years, many people's deposits are estimated to have exceeded 500 thousand, and the proportion of people must have increased greatly.

Cai Xiao can borrow the data of China Merchants Bank to analyze it.

According to the data of 20 18 annual report released by China Merchants Bank, as of the end of last year, the number of retail customers of China Merchants Bank was 1254 14400 (including debit and credit card customers), an increase of 17.6438+0% compared with the end of last year. Among them, there are 2,362,600 sunflower and above customers (retail customers with average daily total assets of 500,000 yuan and above), accounting for 1.9% of the total number of households, while total assets account for 80.98% of the whole bank, with per capita assets of 2.3 million.

In other words, people with assets above 500,000 account for about 1.9% of China Merchants Bank's retail customers, which is very close to the concept of proportion among domestic people.

Unfortunately, however, Cai Xiao's personal savings have not reached 500,000, which is really shameful.

I don't agree. Pick a fault first. What do you mean by "real existence after excluding real estate"? Deposits do not include real estate, which is not a deposit but an asset.

Let's talk about how the figure of 0.37% came from.

As we all know, a person's deposit in the bank does not exceed 500,000 yuan (principal plus interest), which is protected by the Deposit Insurance Ordinance. If the bank goes bankrupt, it will be paid in full by deposit insurance. Before the "Regulations on Deposit Insurance" was officially issued, the central bank made a detailed investigation of residents' deposits in banks, and found that 99.63% of them did not exceed 500,000 yuan, so the deposit system was limited to 500,000 yuan.

Based on this calculation, it is easy to draw that only 100%-99.63% = 0.37% of the people who saved more than 500,000 yuan at that time.

The times are developing, and deposits are also growing.

It says. The figure of 0.37% is calculated according to the data published by the central bank in 20 15 years, and the statistics of the central bank should be the data in 20 14 years. It has been five years now, and the data should be out of date.

Taking the "big city" in the schematic diagram as an example, this paper makes statistics on the year-end deposits of financial institutions in Anshan during the period of 20 14-20 18, and finds that the deposits of financial institutions and household deposits are increasing year by year, and the balance of household deposits is from 174369 million yuan at the end of 2065469.

Therefore, there should be more than 0.37% of people who deposit more than 500,000 now.

This data is very reliable.

As far as I know, too many people have more than two or three suites at home. When it comes to book wealth, they are full of pride. When it comes to life, everyone is carrying a heavy load ~ There are too many people working in banks every day ~ Especially those aged 40 to 50 have very little disposable income, so they are called "poor and rich"!

No money, no leisure, no rest and no illness. Stress makes these people breathless and naturally breeds a kind of "violent anger and anxiety", which really exists around them. Are they happy? I don't think so.

It is true that 500,000 yuan is not much in today's society, but according to a survey in March this year, only about 0.3% of the cash deposits actually exceed 500,000 yuan. According to the population of more than 654.38+03 billion, there are almost 4.7 million people. However, this data only considers bank deposits, and only considers bank deposits exceeding 500,000, which may really be less than 0.37%. It only excludes real estate assets, which is only 500,000, which is definitely more than such a low ratio. After all, the investment channels of funds are not only real estate and bank deposits, but also many other investment channels, such as stock market, P2P, trust and fund.

In the past 10 years, the high rate of return on real estate investment has led most domestic residents to invest their money in real estate, especially in first-and second-tier cities, where house prices are relatively high and buying a house requires a lot of money, which is also the main investment destination of domestic investors' funds at present. Therefore, excluding fixed assets such as real estate, not many people really have a lot of cash.

Even if fixed assets such as real estate are excluded, investors have spare money and are unlikely to deposit it in the bank. You should know that the interest rate of bank time deposits is relatively low. According to the central bank's benchmark interest rate, the one-year time deposit is only 1.5%, and the three-year time deposit is only 2.75%. If the annualized rate of return is less than 4%, even inflation may not win. This is why even investors with spare money will not choose to deposit their money in the bank.

Moreover, there are many channels for people to invest at present, not just deposit banks. Many wealth management products on the market can generally reach 4%, and they are relatively stable, which will also divert a lot of funds.

To sum up, only 0.37% of the bank has more than 500,000, but apart from real estate, the possibility of assets exceeding 500,000 is far more than that.

What do you think of this? Welcome to comment and exchange.