The number of deposits increased rapidly, so how many domestic families can provide 1 million in deposits at one time? The bank manager revealed: The statistics may exceed everyone’s imagination!
According to the results of the survey conducted by the central bank earlier, 99.63% of the people across the country have no more than 500,000 deposits, which means that almost only more than 5 million people have more than 500,000 deposits in the bank. As for the number of people with deposits of more than 1 million, it is estimated that the total number may be less than 0.1% of the total population, which is almost 1.5 million.
Moreover, according to the bank manager, there are almost no working class among these more than 1 million people, and most of them are business owners, individual bosses, or company executives.
Of course, some experts have previously said that there were more people in China who had taken out millions of deposits at one time. Due to the continuous reduction of deposit interest rates in recent years, considering that deposit interest cannot outperform inflation, more and more middle-class people have invested their money in other high-yield varieties. For example, bank wealth management products, treasury bonds, stock market, bonds, funds, funds, etc.
Especially in recent years, domestic deposit interest rates have been even lower. For example, now, the one-year deposit interest rate of major banks has dropped from 10.98% in 1996 to 1.75%. If we follow the 3.5% inflation target given by the central bank this year, it is equivalent to a loss of 1.75% if deposited in the bank. Because of this, although the deposit rate has been rising over the years, there are very few families with actual bank deposits of more than 1 million yuan.
However, this is also the understanding of some experts. In fact, in the eyes of many bank managers, even if investors with other financial assets are included, the number of domestic households that can provide 1 million cash at one time is rare. Why
? Several reasons:
First, the income is too low.
. According to the just-released disposable income of Chinese residents, 27,650 yuan. If calculated based on a family of three, it is equivalent to the income of a family of three. From January to October this year, the income of a family is only about 84,000 yuan. According to this trend, the income of a whole year is equivalent to the income of about 100,000 yuan per year.
If half of the income is used to repay various loans and daily expenses and half is used to save, then the savings of the family of three will be only 50,000 yuan this year. According to this income, if you want to save enough 1 million, it will take at least 20 years without any changes, no salary suspension or income decline.
Obviously, this is difficult for most families, so it is too difficult for ordinary families to save enough 1 million!
Secondly, liabilities account for more than 50% of total income
Although the results now are that more than 90% of the people in my country have assets of millions, except for houses, many domestic families cannot even take out their deposits of 100,000 yuan. A large part of the monthly income of most ordinary people is used to repay mortgages. The remaining disposable income not only needs to maintain a basic life, but also provide education to their children and medical care for the family. Almost a few people can save money.
Of course, in addition to mortgage loans, in recent years, affected by the early consumption of the United States, and the liberalization and general promotion of various financial lending platforms, nearly 90% of the post-90s born in my country are carrying various consumer loans, and the per capita debt has reached 127,000 yuan. In this extremely sluggish environment, it is difficult for young people to repay their debts, let alone save 1 million yuan.
In fact, we can also clearly understand the deposit from these data. For example, some time ago, data from , China Merchants Bank showed that 2% of households have 80% of their deposits, and 98% of households only have 20% of their deposits.
According to this logic, let’s calculate:
Currently, the total deposits are 113.69 trillion yuan, which is equivalent to 98% of households having only 22.7 trillion yuan in deposits. According to the population of 1.4 billion, it is equivalent to about 1.37 billion people in China with deposits of less than 17,000 yuan. If calculated based on nearly 500 million households across the country, it is equivalent to 490 million households with deposits of less than 50,000.
can be seen, how many domestic people have taken out 1 million deposits at one time.
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