Recently, many people have been very confused about one thing, whether the Chinese people have money or not?
In the first quarter, household deposits increased by more than 8 trillion yuan, and grabbing a Xiaomi car is like buying a cabbage, so who owns all this money? We will tell you the answer today.
In the past two years, when it comes to buying a house and borrowing money for consumption, everyone says that there is no money; when it comes to savings, many people say that the more than 140 trillion household deposits are not mine, and they are all rich people.
Do the Chinese people have money or not? Are you saying true or false?
This question is of great practical significance, and a lot of very magical things have happened around this issue recently.
On April 12, the central bank released financial data for the first quarter, and RMB deposits increased by 11.24 trillion yuan in the first quarter, of which household deposits increased by 8.56 trillion yuan. As of the end of February 2024, the balance of household deposits was 143.24 trillion yuan.
Previously, on March 28, Xiaomi Auto officially released Xiaomi SU7, which broke 10,000 units in 4 minutes, 20,000 units in 7 minutes, 50,000 units in 27 minutes, and nearly 90,000 units in 24 hours.
The cheapest Xiaomi car is 215,900 yuan, and the most expensive one is 299,900 yuan, even if it is ordered by 90,000 people, it is the cheapest, which is also crazy and close to an astonishing 20 billion!
In addition, the cumulative number of Huawei M7 Dading exceeded 174,000 units, and the M9 Dading exceeded 60,000 units, adding up to more than 60 billion!
Households have more than 140 trillion yuan in deposits, and they spend so much money on crazy car grabbing, you tell me that the Chinese people have no money? Who believes it?
Two days ago, we threw out this question in the comment area, and many people immediately pounced on it and said that those who can buy cars are not ordinary people.
This is not honest, Xiaomi car plus Wenjie car, more than 300,000 Dading, this is more than 300,000 families, calculated according to a family of 3 people, close to 1 million people, you say they are not ordinary people?
If you want to say that those who can afford to buy a house of 5 million yuan in Beijing, Shanghai, Guangzhou and Shenzhen are not ordinary people, we will believe it, and you told me that the people who buy a car of more than 200,000 Xiaomi are not ordinary people, and no one believes it when it comes to the sky.
It just so happens that we know a few Xiaomi car owners, they are all ordinary migrant workers, and they have to tighten their belts for several years for this car.
The most crucial question is, with more than 140 trillion household deposits, who owns so much money?
When it comes to this issue, many people take the deposit structure data disclosed in the annual report of China Merchants Bank.
For example, the 2023 annual report shows that China Merchants Bank has absorbed a total of about 13 trillion deposits, with an average daily asset of more than 500,000 yuan and about 2% of customers, their total deposits exceeding 10 trillion yuan, and the remaining 98% of depositors have a total deposit of about 3 trillion yuan.
If we follow this logic by analogy, about 77% of the 143.24 trillion household deposits, that is, about 110 trillion yuan, belong to 2% of the rich people, and the remaining 33 trillion belong to ordinary people.
However, it is simply absurd to take the deposit data of a bank of China Merchants Bank and extrapolate the deposit structure of 1.4 billion Chinese.
Because China Merchants Bank's customers are already mid-to-high-end, most of their outlets are in first- and second-tier cities.
If we can see the deposit structure data of the Industrial and Commercial Bank of China and the Agricultural Bank of China, it may be more meaningful, because that is where the majority of people save their money.
Despite this, this still shows to some extent that most of the 143.24 trillion household deposits belong to a small number of wealthy people, and it is estimated that about 40 trillion can be ordinary people.
However, even if it is 40 trillion, it is a lot of wealth, why do many people say that there is no money?
The truth of the matter, I'm afraid it's not that they really don't have money, but that they don't have any living money, and they earn less money, and everyone has no sense of security, so even if they earn 100 yuan, they all save it in the bank.
A few years ago, we were afraid of the large-scale issuance of credit cards and the online lending of all over the world, and everyone was spending ahead of time.
Speaking of which, recently, China Merchants Bank suddenly announced that it would no longer issue new 3-year and 5-year certificates of deposit.
According to media reports, some of the three-year large-value certificates of deposit of the Agricultural Bank of China, the Bank of Guangzhou, the Industrial Bank and the Minsheng Bank have been sold out.
This is to reduce the rate of return on deposits, and it is better for you to stop saving money, and either spend or invest.
To be able to force the banks to this point, the Chinese people are also powerful.
Of course, there are also people who say that banks are no longer profitable, so they will not issue large certificates of deposit with high interest rates.
Of course, there is money, more than 140 trillion yuan, and it is all the people's, whether they are rich or not, everyone is the common people, do you still want to discriminate against the rich?
Everyone has money but no money, mainly because it is difficult to make money, and even they can't make ends meet, and they don't dare to take out the little money they have in the bank.
What do you think about this? Welcome to leave a message in the comment area to discuss.