China Merchants Bank released its 22 annual report on Friday.

on March 19th, China merchants bank released its annual report for 22. The report shows that in 22, the operating income of China Merchants Bank was 29.482 billion yuan, up 7.7% year-on-year, and the net profit attributable to shareholders was 97.342 billion yuan, up 4.82% year-on-year; The non-performing loan ratio was 1.7%, which continued to decline for four consecutive years.

the performance is in line with expectations, and it is still the most worthwhile investment target in banking stocks.

If Alipay of Ant Financial is the representative of inclusive finance, the APP of China Merchants Bank is the Alipay of the rich.

China Merchants Bank's private bank (serving customers with financial assets over 1,) is well-known in the rich circle, and only when you become a rich person with financial assets over 1 million can you understand it.

apart from the performance, the most noteworthy thing in the annual report of China Merchants Bank is the retail (personal service) business data, which reveals the wealth distribution of China people through the annual report of the largest retail bank in China.

in 22, the total number of retail customers of China Merchants Bank is 158 million, of which 31.18 are sunflower customers and above (with financial assets over 5,), accounting for 1.96% of the total customers. The total assets of retail customers are 8,941.757 billion yuan, and the total assets of customers with sunflower and above are 7,345.587 billion yuan, accounting for 82.15% of the total assets of retail customers.

customers of sunflower and above, who account for only 1.96%, have 82.15% of the wealth. We often say that 28% people have 8% of the wealth, but in fact, 2% people have 8% of the wealth.

compared with 219, 1.84% of customers of sunflower and above have mastered 81.2% of the wealth. In 22, the proportion will increase, indicating that the middle class in China is indeed increasing, and the resources held by the middle class are also increasing rapidly.

further dismantling, the circle owner regards private bank customers as the richest people in China, referred to as "rich people" for short; Taking sunflower customers as the middle class in China and customers below sunflower as ordinary people, we can find that:

the rich account for .6%, holding 31.3% of the wealth, with an average household asset of 27.7527 million yuan;

The middle class accounts for 1.9% and holds 51.12% of the wealth, with an average household asset of 1,522,7 yuan;

The average person accounts for 98.4%, and holds 17.85% of the wealth, with an average asset of only 1,3 yuan.

This is the real distribution of wealth in China. I have to say that the gap between the rich and the poor is really big, and it is a long way to go to become a middle class.

In terms of growth rate:

In 22, the number of ordinary customers (excluding sunflower and above) of China Merchants Bank increased by 9.58%, the number of sunflower customers (excluding private banks) increased by 16.98%, and the number of private bank customers increased by 22.41%. The growth rate of rich customers is faster than that of the middle class, indicating that social resources are further concentrated in a very small number of people.

in 22, the average assets of ordinary customers (excluding sunflower and above) of China Merchants Bank increased by 3.41%, the average assets of sunflower customers (excluding private banks) increased by 1.38%, and the average assets of private banks increased by 1.59%. The average asset growth rate of the rich is faster than that of the middle class, and it does exist that the rich are richer.

The good news is that the average household asset growth rate is the fastest, but let's not forget cardinal utility. The main reason for the rapid growth of ordinary customers is the low base.

In absolute terms, the average assets of ordinary customers (excluding sunflower and above) of China Merchants Bank increased by 3 yuan, the average assets of sunflower customers (excluding private banks) increased by 2,7 yuan, and the average assets of private banks increased by 436,1 yuan. The growth gap is still amazing.

On the whole, in China, .6% of the rich hold 31.3% of the wealth, 1.9% of the middle class holds 51.12% of the wealth, and the average person who accounts for 98.4% at most holds only 17.85% of the wealth.

The number of the rich and the growth rate of per capita assets are faster than that of the middle class, which shows that the widening gap between the rich and the poor is not only for the rich and the poor, but also for the rich to further rob the social resources of the middle class.

The above analysis is based on the data of China Merchants Bank. As the best retail bank in China, China Merchants Bank has certain representativeness, so the conclusion is of great reference significance.

At present, China Merchants Bank is only located in first-and second-tier cities, so if we consider the gap between first-and second-tier cities and third-and fourth-tier cities, the actual gap between the rich and the poor in China may be even greater.

For example, in the income distribution of netizens in China, only 3% earn more than 5, yuan a month, while the average annual income of employees in big companies such as Ali, Tencent and CICC all exceeds 6, yuan.

Faced with the cruel gap between the rich and the poor, what do ordinary people need to do to save their class?

The circle owner wants to give you some general directions:

First, do a good job in the allocation of family assets. Based on their own understanding, asset allocation. In the past, China residents' assets were too concentrated in real estate. In the future, it is necessary to further increase the proportion of equity assets such as stocks and funds. In 219, equity assets accounted for only 3% of China residents' wealth, compared with 3% in the United States and 15% in Japan. This piece has great room for improvement and is also the future trend.

second, invest in yourself. To keep learning, why did I say "based on my own understanding"? If you don't know anything and think that you can overcome the gap between the rich and the poor by investing in stocks and funds, what is the difference between that and "getting something for nothing"? You must strengthen the study of investment and financial management, read more, and learn more in your own industry and other fields.

Third, invest in your children. Don't be confined to exam-oriented education, let alone force children to attend various training classes. A meaningful trip abroad, a wonderful movie and a thought-provoking speech are more conducive to the growth of children.

Overcoming the gap between the rich and the poor and overcoming inflation is not a slogan, but we should do it ourselves, set a good goal and start next week.