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On April 12, the People's Bank of China released financial statistics for the first quarter of 2024, which showed that household deposits increased by 8.56 trillion yuan in the first quarter, and per capita deposits increased by 61.14 yuan based on the country's population of 1.4 billionBy the end of March, the per capita deposit reached 108,400 yuan, or nearly 110,000 yuanThis data immediately aroused heated discussions among the majority of netizens, and many people expressed their doubts: How is this average calculated? Why do I feel that I have not saved so much money?
First of all, we need to be clear that this data of 110,000 deposits per capita refers to the national averageThis means that whether you are in urban or rural areas, regardless of your occupation or income, it will be included in the calculation of this averageTherefore, this average does not fully reflect the actual savings of each person.
For many netizens, they may not have reached this averageSome people may be in debt, and some people may have just entered the society and have almost zero savingsOthers may have higher incomes and much more savings than average. As one netizen said: "If you average me and Jack Ma, I have millions." This is obviously a joke, but it also reflects that the average does not really reflect everyone's savings.
In addition, we also need to note that this per capita deposit of 110,000 is not an increase in deposits in the first quarter, but a total deposit as of the end of March. That is, this includes people's savings over the years. Therefore, we cannot simply compare this figure to the revenue or expenses of the first quarter.
As for the doubts raised by some netizens, such as "two eggs hit the Yangtze River, _ the whole country has drunk egg drop soup", which also reflects the misunderstanding that the average may bring. When we look at a high average, it's easy to overlook people who are well below it. This phenomenon of being "averaged" is not uncommon in real life and requires us to be vigilant
First of all, we must recognize that the average is only a statistical indicator, and it does not fully represent everyone's actual situationSecondly, we should look at our own savings situation rationally, and do not blindly pursue averages, let alone anxiety and stress because of this
For those who have a low amount of savings, they can improve their savings by planning their expenses wisely, increasing their income level, etc. And for those who have a high deposit amount, they also need to be vigilant to avoid being overly optimistic and ignoring the potential risks.
In short, although the data of nearly 110,000 per capita deposits is eye-catching, we cannot just stop at the average. We need to have a deeper understanding of the actual situation behind it, look at our savings situation rationally, and plan for our future. At the same time, the government and all sectors of society should also pay attention to those who are far below the average and provide them with more support and assistance.