Recently, the Continental Bureau of Statistics and the Central Bank have released some recent statistics.
The statistics bureau pointed out that the mainland's GDP reached 29.6 trillion yuan in the first quarter, a year-on-year increase of 5.3% at constant prices. Overall, the economy is off to a good start in 2024. In the first quarter, the surveyed urban unemployment rate was 5.2 percent, down 0.3 percentage points year-on-year. The per capita disposable income in the first quarter was 11,539 yuan, a nominal increase of 6.2%.
According to the data of the Bureau of Statistics, the mainland's economic data actually exceeded expectations. Because the mainland's GDP base is too large, it can still maintain a growth rate of more than 5%, which is indeed a dazzling data. The unemployment rate has also declined, indicating that the employment situation has improved this year compared to the same period last year. Even per capita disposable income grew by 6.2 percent.
The PBOC has also recently released financial data on RMB deposits, loans and other related financial data for the first quarter. The central bank pointed out that by the end of March, the mainland's household deposit balance had exceeded the 150 trillion yuan mark, reaching 151.8 trillion yuan. According to the calculation of the population of 1.4 billion, the per capita savings of mainland households reached 108,400 yuan, approaching the 110,000 yuan mark.
In fact, other data, netizens can still accept, after all, a lot of it is macro data, which has little to do with themselves. However, household deposits are related to themselves, and the per capita deposits are close to 110,000, which is really difficult not to break the defense.
It is really very difficult for contemporary young people to have a mortgage and a credit card in the past, and they have been laid off if they don't do well, and it is really very difficult to save money, but when you see the per capita savings level in the mainland, you may realize one thing, not that the current environment is not easy to make money, but that you can't make money.
Some people may think that it is not difficult to save 110,000 yuan per capita, because this is not a year's memory, but so many years of accumulation. If a person can save 10,000 yuan a year, then 11 years of work is just enough to meet the target. If you can deposit 20,000 yuan a year, it will reach the standard in less than 6 years.
If that's what you think, then you're mistaken, because we're talking about savings per capita. If your family has 5 people, and you are the only one in the family who has income, then your family's savings need to reach 550,000 yuan to reach the national average deposit level, does this become difficult in an instant?
Although in today's society, having a deposit of 550,000 yuan is not much, but the vast majority of families cannot reach this level. Because the consumption expenses such as seeing a doctor, buying a house, going to school, and buying a car have already emptied 6 wallets, where can I save money?
Of course, not all families are unable to save money, and there are still quite a few who can easily exceed this average. We can imagine a family where both parents are retired cadres, each person's monthly retirement salary is 10,000 yuan, the family has two or three houses, the children have married and had children, the total monthly income of the couple is 10,000 yuan, and the children go to primary school.
It is not difficult for us to calculate that the total annual income of this family of 5 is 480,000 yuan, the annual daily expenses are 100,000 yuan, and the children's various expenses are 100,000 yuan, so they can deposit 280,000 yuan a year, and it only takes two years to reach 110,000 yuan per capita. If it is 10 years from now, it is normal for this family to save millions.
The above is still the income status of a relatively medium-sized family, and if you are a businessman, you may be able to save millions a year. This is not counting the billionaires who have cashed out tens of billions of dollars in certain stocks, and it is normal for them to have billions in bank deposits, which directly raises people's averages.
Suppose a super-rich person has 10 billion yuan in the bank, and 99 people have zero deposits in the bank, then statistically speaking, the per capita deposit of these 100 people is 100 million.
From this point of view, if we do not reach this per capita deposit amount, don't be too anxious, after all, the per capita data itself does not reflect the most realistic deposit data. It may be that the median deposit is more reflective of the level of savings of ordinary people in the mainland.
No matter what our current situation is, the future is undecided, you and I are dark horses, as long as we "don't play the table", any of us have a chance to break out, maybe we will deposit 5 million a year, and we will also be the one who pulls up the average.
But the question is how to become a dark horse? The answer is "be different". I often see Europeans and Americans teach their children to "be different", they don't tell you to be a mediocre person, but to be different. When you are an employee, no one else wants to take responsibility, so you take responsibility. After starting a business, we can't do what our peers do. It should be the opposite, what others don't do, we do. The reason why 360 was born back then is that it is different, peers are charging, it is directly free, so that you can earn more than expected.
Everyone is different, entrepreneurship should use a different business model, don't let yourself be the same as others, so why do you make more money than others?
This is the best era, but also the worst era, with capital thinking and new business model integration, the whole world is your stage!
In the world of new business, there is no eliminated industry, only the subverted out of the enterprise, and now all business competition will focus on "model innovation and capital operation".
A company or a boss, if there is a shortage of innovation ability and capital thinking, is destined to lose in advance.
Remember: without innovation, how can there be imagination, without imagination, how can there be competitiveness, if you want to break through, you must subvert the original business model, reconstruct a new business model!