Regarding the increasing love of domestic people to save money, this can be said by data:
Before 2018, almost every year, the new resident deposits were about 4-5 trillion yuan, but since the outbreak of the epidemic, the scale of resident deposits has skyrocketed.
In 2020, it will add 11 trillion yuan, in 2022 it will add 18 trillion yuan, and in 2023, although it will fall, it will also add 17 trillion yuan. During the three-year epidemic period, the scale of new deposits of residents is equivalent to the total amount of new deposits in the past ten years.
It stands to reason that the people's awareness of saving money is getting higher and higher, and the proportion of realizing more savings is also rising.
So, how many families in the mainland can come up with 400,000 yuan at one time? What is the reason why people can't save money?
.01
Yang Ma touched the results
How many people deposited 400,000
At present, the total deposits of mainland residents have reached 280 trillion yuan, and the average per person is close to 200,000 yuan according to the average share of 1.4 billion people, or 1 million yuan if a family of five people is divided.
It is estimated that many people are silent when they see this data, after all, this is only an "average", and it does not truly reflect everyone's savings, and there are many rich people in China, no matter who and Ma Yun's assets are average, they are all billionaires. The real situation of ordinary people is completely different from what everyone thinks.
In fact, Yang Ma also did a thorough investigation before, and the result was: 99.63% of people have less than 500,000 bank deposits!
In other words, the number of people who have reached 500,000 in domestic deposits, accounting for only 0.37%, is probably only about 5 million people in the country who can meet this requirement.
This result is indeed somewhat unexpected!
After all, in the past, everyone always thought that the distribution of wealth in China should be the 28th law, but this result completely broke everyone's traditional cognition, and the distribution of wealth is no longer the 28th law, but more likely to be 0.2% of the people, with 98.8% of the people's wealth.
So taking a step back, how many people can come up with 400,000?
The result of the expert's reasoning is that the number of people who can take out 400,000 deposits at one time accounts for about 0.7-0.8% of the total population, and even if it is calculated at 1%, it is only about 14 million.
At present, the urban housing ownership rate in mainland China has reached 96%, and even forty percent of families own two or more houses, even if the current unit price of 15,000 per square meter in 100 cities is calculated, a 100-square-meter house will cost at least 1.5 million yuan.
Since the mainland has realized that more than half of the population has assets of one million, why is it that the number of households that have taken out a one-time deposit of 400,000 yuan is less than 1%?
.02
What is the reason why people can't save money?
1. The income is not high and the monthly expenses are a lot
In 2023, the per capita disposable income in mainland China will be 39,218 yuan, which will be calculated to be 3,200 yuan per month. Among them, the per capita disposable income of rural residents is 21,691 yuan, equivalent to about 1,800 yuan per month.
Compared with 2021, the national per capita disposable income is 35,128 yuan, or 2,927.4 yuan per month. Among them, the per capita disposable income of rural residents is 18,931 yuan, which is equivalent to the monthly income of 1,577.6 yuan.
Comparing these two data, one can draw a conclusion: the vast majority of ordinary people have incomes between 3 and 7,000 yuan, and their income in 2023 has only increased by a few hundred yuan compared to 2021.
Let's take the price of refined oil as an example, in January 2021, the price of No. 92 gasoline was about 6.10 yuan/liter, and by January 2023, the price of this gasoline rose to about 7.62 yuan/liter.
To put it bluntly, the fuel cost of a month's trip covers the rising wages, and the rise in the price of terminal commodities caused by the rise in gasoline prices has to be supported by the monthly salary, such a low income, such a high price, how difficult it is for ordinary people to save enough 400,000!
Moreover, more importantly, with the continuous international geopolitical conflicts, such as the escalation of the conflict between Iran and Israel, coupled with the failure of oil producers to cooperate with the increase in production, international oil prices will face a rise in the future.
In fact, there has been news of the rise in refined oil products recently. A few days ago, the National Development and Reform Commission has announced that the domestic gasoline price will be raised by 200 yuan/ton, and the diesel price will be raised by 195 yuan/ton. Equivalent to the price increase, No. 92 gasoline and No. 0 diesel were both increased by 0.16 yuan, and No. 95 gasoline was increased by 0.17 yuan. Moreover, this is the fifth increase in refined oil products this year.
The continuous rise in oil prices will inevitably lead to an increase in terminal prices, which also means that the growth rate of income is too slow, and the pressure on everyone's life will be greater in the future.
.03
The money is all in the house
Housing prices remain high, and those who buy houses seem to be worth millions, but after all, they owe millions in debt. If the balance of the loan is not paid off, the house can only be said to be an asset of the bank.
In this case, a large portion of everyone's monthly income has to be used to pay off loans, and this will continue for decades. Under this pressure, once he encounters a decline in income or unemployment, then a huge debt problem awaits him.
Even if you are lucky enough not to face problems at work, the money you can save in the end is even less than the necessary monthly education fund, medical care, pension and other expenses.
To tell the truth, the general environment in recent years has been like this, many listed companies are facing huge losses, and it is even more difficult for small enterprises to maintain their "survival".
For families, with their work income plummeting or even unemployed, it is fortunate that they can maintain a balance between the family's income and no longer borrow money, let alone save money.
.04
Borrowed money to spend in the past
Now to borrow for loans
In the information age, although it is more convenient for everyone to learn the knowledge of developed countries, it is also easy to go astray because of this.
For example, in the past, many people, in addition to learning more professional skills from the Internet, also learned the advanced consumption concept of Western developed countries.
If this concept is in a good environment, it may be able to maintain a normal operation. But once the economic environment is not ideal, it becomes more and more difficult to make money, and young people's advanced consumption will only make them fall into debt.
When incomes plummet, and their monthly income is not enough to pay off the debts caused by their over-consumption efforts, young people have no choice but to borrow money to support themselves.
In this case, what do they use to save money?
In short, although the amount of deposits in the mainland is increasing day by day, aside from the wealth of bigwigs such as Ma Yun, Liu Qiangdong, and Zhong Sui, the real savings can reach 400,000, which can be said to be pitiful!
The vast majority of households not only have no savings, but even have ultra-high debts, and as the economic growth slows and the competitive pressure in the job market begins to increase, the problem for ordinary people is no longer to improve the quality of life, but more to find ways to maintain basic survival.
For those who have wealth, they are waiting for the economy to bottom out while traveling, so as to achieve another upward leap in wealth accumulation while playing.
So it's hard to imagine how big the gap between the rich and the poor will be in the future!
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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