Recently, the central bank released a data that the average deposit of mainland residents reached 108,000. As soon as the news broke, the discussion on forums and social media was buzzing.
However, when you look at this number, do you have the same question as I do, "Is this true" or "How did this data come from"?
It all started with the latest statistics from the central bank. According to reports, the total savings of Chinese residents have exceeded 140 trillion yuan, and on average, each person has about 108,000 yuan in savings.
As soon as this number came out, many people's first reaction was surprise. After all, for the average salaried person, this amount seems quite substantial.
Many people expressed skepticism about this data, and some even joked: "Is the 108,000 average to my head? ”
In fact, there are many details hidden behind this number that we should not ignore. First of all, this is an average. In statistics, averages tend to hide extreme distributions.
If there are a few billionaires with extremely high deposits, then they will greatly pull up the overall average, while most ordinary people may have much less than 108,000 in savings.
In the process, I learned that while it is true that the level of savings of the middle class in some cities is close to or even exceeds this figure, in many economically underdeveloped areas, a large number of residents have deposits well below this average.
This average deposit figure does not take into account the liabilities per capita. In the current economic environment, many people have to go into debt to operate in order to buy a house, education and other large expenses.
As I deepened my investigation, I found some interesting phenomena. On social platforms, some netizens began to post their deposit balances, and some people joked, "It seems that my deposits have been averaged out to others." ”
At the same time, some people also revealed their debts, and some netizens even had debts of nearly one million, which made me deeply feel that behind the deposit figures, everyone's story is not simple.
To get a more complete picture, I also reached out to several economics experts. They point out that the published average deposit data may have a certain impact on social psychology.
People may feel stressed or upset when they see a higher average than their personal savings, a phenomenon known in psychology as "relative deprivation."
From disbelief to self-deprecation, from anxiety to relief, everyone's emotional changes reflect the multi-layered face of China's social economy behind this data. And these reactions and stories are an integral part of the numbers.