Central bank data report: per capita deposits exceed 100,000!

In the latest financial statistics released by the central bank, there is one data that is very interesting.

As of the end of February, household deposits reached 143.24 trillion yuan. At the beginning of 2024, the total population of the mainland will only be 1.409 billion, which is equivalent to more than 100,000 per capita deposits.

Why don't I know I have so much savings? Don't stop me, I'm going to spend.

On average, everyone is still very rich, what to issue consumption coupons and stimulate consumption, there is no need at all, buying a house and a car is a matter of minutes.

Since there is no problem with the macro data, the problem may lie in the "being averaged" 3 if you pick out the details.

Today's wealth differentiation is very serious, and assets are relatively highly concentrated in a small number of people, and most of the rest may be squatting in urban villages, working from 9 to 5.

According to the report for the first half of 2023 released by China Merchants Bank, there are 190 million individual customers, of which 143,000 are private bank customers with assets of more than 10 million, accounting for 0.1%, and the average household assets are 28 million, accounting for 23.6% of the total assets.

There are 4.44 million Golden Sunflower customers with average daily assets of more than 500,000, accounting for 2.1%, and the average assets of households are 2.36 million, accounting for 62.4% of total assets.

The rest are only 13,000 ordinary customers with average deposits, but the number is as high as 158 million, accounting for 98%, and the total assets of this person only account for 14.1% of the deposits of China Merchants Bank.

Come, let me explain to you! This is equivalent to that in China Merchants Bank, about 2% of the people hold 86% of the total wealth, and the remaining 98% of the total assets are less than a fraction of their total assets.

Of course, if my savings are averaged with the total assets of big men like Little Pony, I must have a place on the Forbes rich list.

If the disposable income is less than 2,800 yuan, how can the per capita savings exceed 100,000?

The bottom foundation determines the superstructure, and the per capita savings of residents depend on everyone's income.

According to the data of the National Bureau of Statistics, the per capita disposable income of residents in 2023 will be 39,218 yuan, a nominal increase of 6.1% over the previous year after deducting inflation, while the average wage income will be 22,053 yuan, an increase of 7.1%.

Looking at the median income, the median disposable per capita income of residents in the country in 2023 will be 33,036 yuan, an increase of 5.3%, and the monthly income converted into a monthly income is 2,753 yuan. Among them, the median per capita income of rural residents was 18,748 yuan, an increase of 5.7 percent, and the median income of urban residents was 47,122 yuan, an increase of 4.4 percent.

Maybe you don't believe it, there will be consumer bias, per capita disposable income does not represent anything, then take a look at the average salary in 31 provinces across the country.

According to the China Statistical Yearbook 2023, in 2022, in urban private units. Only Shanghai and Beijing have an average annual salary of more than 100,000 employees, Jiangsu, Guangdong, and Zhejiang have more than 70,000, and Chongqing, Hainan, Tianjin, Fujian, and Tibet have 60,000, while the lowest average annual wage in Shanxi Province is only more than 47,000, and Heilongjiang is only more than 45,000.

Let's look at the per capita disposable income in 2023.

The annual per capita income of Beijing and Shanghai exceeded 81,000 yuan, ranking first and second in the country, Zhejiang ranked third with 63,000 yuan, and Guangdong followed closely with 49,327 yuan per capita disposable income.

The more you earn, the more you spend.

In 2023, the per capita consumption expenditure will reach 53,000 yuan, the per capita consumption expenditure of Zhejiang and Beijing residents will also exceed 42,000 and 47,000, and the per capita consumption of Guangdong residents will also be 30,000+.

"Average" is average, and you are you, with a per capita income of more than 80,000 yuan and an average consumption of 30,000+, it does not mean that the per capita tyrant and willful consumption may be that you are just living in an urban village, with an average daily consumption of less than 30 yuan, a stinky social animal.

As the bottom disposable income is less than 2,800 yuan, the average salary is not high, but the price and consumption are not very low, if the average savings of the middle class exceeds 100,000, it may be convincing, but I can't figure it out, the majority of the snail dwelling in urban villages, stinky social animals, the average salary is less than 5,000, the disposable income is less than 3,000 young people, how do their savings exceed 100,000? Is it that they do not eat or drink for a year and do not accumulate it?

The more you have in your deposit, the more money you have! Most young people still can't afford to buy a house or a car.

The more savings per capita, does not mean that residents are richer, which is not a false proposition. There are many factors that affect people's savings, such as disposable income, willingness to spend, and personal financial problems.

Generally speaking, residents in high-income first- and second-tier cities have higher wages and more deposit balances, and low-income people are basically "moonlight people", especially young people now, high-income people are more willing to save than low-income groups because of more disposable income, which explains why the per capita savings in first- and second-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen are generally higher than those in third- and fourth-tier cities.

Taking a step back, even if "household savings per capita are 100,000 yuan" as Yang Ma said, there are many young people who can neither afford to buy a house nor a car.

According to the housing prices in domestic cities in 2023, the average housing prices in Shenzhen, Shanghai, and Beijing will exceed 70,000/㎡, and the next best Guangzhou is also 46,000/㎡, and it will be 6 million less to buy a 100-bedroom three-bedroom apartment, and 1.8 million for a down payment in 30 percent.

Large cities have high incomes and high housing prices, while smaller cities are much cheaper.

That's right, like the tourist holy land of Guilin is only 4,500 yuan/㎡, Henan Yuzhou is 4,930 yuan/㎡, Shandong Heze is only 5,800 yuan/㎡, and the 100-square-meter house is only less than 600,000, but don't forget that the income in these places is also not high, the per capita salary is less than 5,000 yuan/month, most people hover around 3,000 yuan, and the annual salary is not 100,000 yuan without eating or drinking, let alone buying a house.

You are very confused, it seems that your friends have bought a house and a car, that is an illusion, most of them rely on the help of their parents, and only a small part of them are realized by their own hard work. The price of new energy vehicles is indeed very strong now, but it is not easy for young people to buy a car.

But it is also true that the price of new cars is getting higher and higher, and the cars sought after by young people such as M7, Ideal L8, Xiaopeng G6, and Extreme Krypton 001 start at 200,000+, and young people with high incomes in big cities can still buy them, but the rest is estimated to be only drooling.

If young people rely on their own meager salary income alone and cannot even reach the "100,000 yuan per capita savings," how can they talk about buying a house or a car? The more savings you have, the richer you are.

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