Some people say that many families now have1800,000. Is it really common to deposit millions?

The million deposits in China are at least top 1%.

I posted a post before saying that the annual salary of 30 years old was rare and was sprayed to pieces. They are all my friends, classmates and leaders. They all earn millions a year. Your problem is scene reproduction. The next time you meet someone who says this, you should ask him if he has it at home. If not, shut up. God hates such people who exaggerate national conditions.

To be fair, the current 6.5438+0 million is not more than before, and it is quite common to deposit 1 million in Beijing. My neighborhood has150,000 houses. Not to mention buying it, the rent has to start at 1.5 million, which is 1.8 million a year. Calculate your Engel coefficient by 50%. Families that spend more than 400 thousand a year can hardly maintain without millions of deposits. A house in North Community180,000. 22 million south. This is also the case.

Beijing's per capita wage is nearly 10 thousand, so it is necessary to get rid of the general drift to the north. Two generations of families, supported by four money bags. Saving 654.38+00,000 is the psychological threshold for many people. More than one of my friends got married at 654.38+00,000 yuan.

So, have we rushed out of Asia and caught up with Britain and America?

But! Don't generalize! The wealth circle is even harder to break than the dimensional wall. Middle-class families (cars, houses, no loans, annual income of more than 300,000) have millions of deposits. What about families below the middle class?

Let's just say that 80% is universal. In China, millions of deposits are by no means a common phenomenon. Whose circle of friends is not easy to raise 200,000 surgical expenses?

In 20 16, the per capita deposit of China residents was 20,000 yuan.

According to the Global Wealth Report 2020, there are 20,654.38+09.6 million "millionaires" (US dollars), and there are 6,543.8+09.6 million people in the world, of which about 6,543.8+072 million are from China. According to the population, it is 65.438+0.4 billion, accounting for 0.654.38+0.2%.

According to the data of the central bank, less than 1% of people in China have more than 500,000 deposits, let alone1million.

So if your net worth reaches 6.7 million, it is one thousandth of that of China. If it is 1 ten thousand, it is at least 1%. Who can say that this is universal?

As a middle-aged rural person, let me talk about some details of rural family assets in detail and objectively. The first thing to emphasize is that having money in savings depends on age. For an old man in his seventies and eighties, if he has a pension of180,000, then living in the countryside is more than enough. But if he is a middle-aged man in his 40 s and 50 s and his children are not married, don't say120,000.

Some people say that many families now have1800,000. Is it really common to deposit millions? Next, from the perspective of my own rural people, this situation basically does not exist in rural families. Perhaps1800,000 deposit is a very common thing in cities, but in rural areas, it is only at what age stage. If you have a deposit of 1 10,000 at home, you can definitely be regarded as a good household.

Cash deposits are not real estate, not all kinds of fixed assets of real estate. You can control it at any time, and cash flow is king. This shows the importance of cash deposits. The deposit is 6,543,800+0,000, and I have nothing to do for one year. A simple financial management can also have a net income of 50 thousand a year. Looking at rural areas and some economically underdeveloped cities, it is a very good thing that a person can have a net income of 50 thousand yuan a year.

Let's talk about the deposits of most families in our village first. First of all, the elderly should be removed from this cash deposit ratio, because for most rural elderly families, having180,000 is a good thing, even if their economic conditions are good. The average rural elderly, who have been busy all their lives, will only spend 40 thousand yuan.

Rural people have deposits at home, and the amount is relatively large and the distribution is relatively large. Probably, they belong to the kind of middle-aged family that has worked hard for most of their lives and their children are not married. This kind of rural family is the one with the most deposits in rural areas at present, and it is also the kind that must have deposits and looks very rich, but in fact it is very poor.

Middle-aged families in their forties and fifties are under the greatest pressure in rural areas. At this time, middle-aged men are the pillars of the whole family. They have passed middle age and their health has begun to decline. Manual labor has also begun to become inadequate, but they dare not stop for a moment. Parents have entered their sixties, and the responsibility of providing for the aged has been placed on them. The child is not married. In the face of more and more bride price, parents should not work hard.

Do they have any money? Of course, and almost every family has a deposit of 3.5 million. How did the money come from? Of course, it wasn't blown by the wind or the lottery. Every penny is really hard-earned money. They are all earned by working and farming.

Do they dare to spend the money? Of course not. They made money, but the money certainly doesn't belong to them. The biggest and only use of this money is to marry their children.

In fact, as a person living at the bottom of society, the money we can control is actually very limited. Let me talk about myself. I earn 5000 yuan a month and 60000 yuan a year at the most. Even if I don't eat or drink, I don't spend a penny, but I have to deposit 17 to have a deposit of100000. Is this a real problem? So instead of always gossiping about other people's wealth, it is better to look at your wallet and then settle down and work hard for money.

Now it seems difficult for families to have1800,000 deposits, but in fact it is really a lot.

At the end of 20 19, the deposit scale of Chinese residents was 8.2.129.6 billion yuan; As of June, 2020, the latest data is 9 1. 1389 trillion yuan.

At the end of 20 19, the population of China was1400.05 million, and the population of China was 1405 million. The average deposit per person is 65,000 yuan.

According to the data of the national census in 20 10, the family size in China is 3. 1, so that each family can reach the average line with a deposit of 200,000. However, there are differences between cities and rural areas in our country after all. After all, urban household income is about 1.5 times higher than that in rural areas. In 20 19, the urban per capita disposable income in China was 42,359 yuan, while the rural per capita disposable income was only 1602 1 yuan. The probability that rural families have 6.5438+0 million deposits is much lower than that of urban families.

In addition, what is household deposit? Mainly residents' savings deposits absorbed by banking financial institutions through credit and deposits absorbed by other means, mainly in the family sector. Deposits absorbed by other means mainly include the bank's margin deposits and the funds deposited in the bank for personal entrustment business. In other words, a lot of wealth, such as stock market investment and wealth management products, housing provident fund balance and so on. Excluding, residents' financial assets should be higher.

Then again, the proportion of financial assets has always accounted for a small proportion of family wealth. According to the survey of assets and liabilities of urban households conducted by the Survey and Statistics Department of the People's Bank of China in 20 19, the average total assets of urban households in China are 3179,000 yuan (there is a dual structure between urban and rural areas in China, and the gap between urban and rural assets is still very large), and the proportion of family financial assets is about 20.4%, so the average financial assets of urban households are about 648,500 yuan. It seems that there are quite a few families who can take out1800,000 deposits.

According to the data of the survey report, the average total assets of 80%~90% families are 4.933 million yuan, so it is believed that there is not much problem for these families to take out financial assets of 800 ~ 1 10,000 yuan. In other words, about 20% of urban households can have 800 ~ 1 10,000 deposits. This looks like a lot.

From 2065438 to 2009, the urban population in China was 848.43 million, calculated by an average of 3 people per household (the urban family population is smaller than the rural family population). There are about 282,865,438+100,000 urban families, of which 20% are as high as 56.56 million, which is really quite a number.

In addition, although our family size is only about three people, in fact we still have a family model. Parents and couples, parents and couples, although they are three families, are actually connected with each other. In addition, there are other related families. To tell the truth, it is not particularly difficult for a family to come up with1800,000.

After decades of development, our society has really become rich. But I still hope that the state can effectively adjust its policies, so that the income level of low-income people can be raised faster and everyone can be rich together.

One hundred thousand dollars is not much, even less.

Think about it from another angle

In the era of ten thousand households in the 1980 s, it was common to have one hundred yuan at home.

Now entering the era of 100 million yuan, it is not difficult for ordinary people to have millions of deposits, just like the previous households with 100 million yuan.

Real money and millions of assets are really not rich.

Really rich people owe the bank hundreds of thousands, tens of millions, or even hundreds of millions. There are hundreds of thousands in such people's accounts.

What you said does not exist. Don't say that an individual can take1800,000 cash. Even if it is calculated by family, it is estimated that not many people can take it out.

China is still a developing country, and the gap between the rich and the poor is still very large. According to the data released by the state some time ago, the average wage of at least 600 million people in China is only 654.38+10,000 yuan. What is this concept? It shows that the people are still very poor, and overcoming poverty is still a very big project.

Now is the era of big data. At least 90% people use smart phones. In the past, they usually got news and information from TV, newspapers, weekly magazines and radio stations. Unlike now, they know what is happening at home and abroad by playing with their mobile phones. Because the media is also flying all over the sky, every once in a while, the ranking of the rich will increase by several hundred million. It seems that if others make money, there will be a printing machine, and whoever remains will be printed quickly. Whether the news is true or not, the media will be exposed for high click-through rate and high traffic.

In this impetuous society, you should keep your eyes open and not be directly influenced by what you hear. You think that others are so rich and you are so poor, and you blame yourself for being worthless and losing the motivation to work hard.

With the continuous progress of society, house prices have been rising, and our money has been expanding. Now it seems that having 1 million is not a rich man.

But back in real life, can there really be many people who can come up with1100,000? I have to say that this deposit is really a very private topic, absolutely private! No one wants to disclose how much money they have saved. This deposit is definitely impossible to count the real number of people. Then who has the most say in this world?

It must be a bank. According to the information released by the central bank, by the end of September 20 19, the balance of deposits in China had reached 176. 13 trillion, of which 70 trillion belonged to ordinary people, accounting for about 39% of the total deposits. Most of the money is not owned by us personally, and most of the deposits are owned by enterprises, institutions or other organizations.

According to bank insiders, almost all banks have VIP systems. The more they deposit, the higher the VIP level. To put it bluntly, it is to give some benefits to people with more deposits. For example, VIP users do not have to queue up for business, but also enjoy some special loan rights and interests, giving such preferential treatment.

The VIP of a bank is generally divided into three levels, namely, gold VIP, platinum VIP and diamond VIP users, among which platinum card requires a minimum deposit of 200,000, and platinum card requires a deposit of 500,000. If it reaches/kloc-0.00 million, it is a diamond VIP user, according to the bank president.

There are very few users who can reach the diamond level. These people are relatively fixed. Therefore, those who can have 1 million deposits in the bank are definitely the top few. A friend said I want to get rich, too. I saved him a million dollars and became the top of the pyramid. How can ordinary people have 1 million? Now let's calculate an account. According to the data released by the National Bureau of Statistics, the average annual salary of employees in urban non-private units in China is about 90,000 yuan.

The average annual salary of employees in urban private units is more than 53,000 yuan, and that of employees in enterprises above designated size is about 70,000 yuan. Assuming that you can save half of your income a year, it takes about 22 years for employees in non-private units to save 1 million, 37 years for employees in private units and 26 years for employees in enterprises above designated size. So don't underestimate this million yuan. Many people can't save 1 million in their lifetime. If a person can save one million before he is forty, he must be a successful person.

Many people can't even come up with 20 thousand yuan, but they always think that10 million is small money.

As a bank clerk, I deal with people who save money every day. I can tell you clearly that in our country, there are really few families with more than one million deposits.

The bank where I work has a total deposit of 300 million and more than 3,000 customers, with an average deposit of less than 6,543,800 yuan per customer.

Among these 3,000 customers, less than 100 has deposits of over one million, accounting for only 3%. In addition, nearly half of the people in our country have no savings, so the number of families who can really save more than one million is less than 1% of the total.

In the bank where I work, there are roughly the following categories of customers with deposits exceeding one million.

1. relocated households

There is a residential area near the bank where I work, where many relocated households in urban villages live. These relocated households are all rich people. Except for a few people who lose their property soon, most of the relocated households will choose to deposit their money in the bank to collect interest.

Our bank has more than a dozen such customers, with deposits ranging from 3 million to 10 million. The annual interest is hundreds of thousands, which is enough for their family.

Step 2 do business

To say that the most profitable thing is to do business. Although there are risks in doing business, as long as you can get through it, you will surely get rich quickly.

These people who can start from scratch are not simple. Whether it is ability, vision or courage, it is not comparable to ordinary people.

3. Senior employees of enterprise units

It is not necessarily leaders who earn hundreds of thousands of dollars a year, but many senior technical employees can, especially in some emerging industries.

The bank where I work has several very young customers, all of whom have more than one million deposits. All belong to this category. Although he is an employee, he is an indispensable employee of that kind of company. The annual salary is very high, and you can save more than one million in a few years.

4. Ordinary people

Are there any ordinary people who have more than one million deposits?

The answer is: yes.

The bank where I work is near a large vegetable market, and many aunts and grandmothers who sell vegetables have worked here for more than ten or twenty years.

An aunt who sells vegetables comes to our bank to deposit money every month. There are tens of thousands when there are many, and thousands when there are few.

The aunt and her wife each have a fixed passbook with many pages. They have a total of more than one million deposits.

Ordinary people want to save millions, there is no shortcut. They can only accumulate over time, year after year, like this aunt who sells vegetables.

Every little makes a mickle. The stream of wealth, under the action of time, finally gathers into a wide river.

There is only one reason, it is difficult to make money, and it is even more difficult to save.

1.20-30 years old, 10 years.

Many people go out to work around the age of 20 and get married and have children around the age of 30.

In this decade, because I just got out of social work and am young, I can't control the temptation of the world of mortals. I spent a lot of money, so it is difficult to save my money.

Even after ten years, I have saved hundreds of thousands. But at the age of 30, you have to buy a house and a car to get married. Ten years of hard work makes a wedding flower clean.

2.30-35 years old, during this five-year period.

30 to 35 years old, just when the child is born and then goes to kindergarten.

In many families, basically one person works outside and one person takes care of the children at home. A person's salary has to support a family of three.

Like myself, I belong to this situation. I am over 30 years old this year. Because the children are relatively young and nobody takes care of them, I can only let my wife take care of them at home full time.

I get about 1 10000 salary every month. Once the mortgage is paid, the rest is just enough to spend. Saving money is really more difficult than going to heaven.

3.35-50 years old, 10 years.

After children go to primary school, both husband and wife can go out to work.

The monthly salary of ordinary workers in China is only about 5000 yuan. Assuming that both members of a family earn this salary, it is not low.

Couples and children spend 6,000 yuan a month and save 4,000 yuan, which can save nearly 50,000 in that year.

If you still need to repay the mortgage, there won't be about 2,000 yuan a month, and you can only save about 30,000 in that year.

/kloc-during 0/5 years, couples can generally save about 400,000-500,000, which can be said to be the most profitable age.

But around the age of 50, they will face another place in life where they spend a lot of money, and their children will get married.

Buy a house, car, etc. For the children. Basically 15 of the money earned, after the children get married, they have worked hard for decades and returned to liberation overnight.

4.50-60 years old, that is, 10 years.

What can really save a family money is basically 50 to 60 years old, and all the places that should spend a lot of money have been spent. I can finally catch my breath and think for myself.

But after 50 years of life, the ability and energy have dropped sharply, and the wages of ordinary people will be much less. Maybe at this time, you can only earn about 3000 a month.

Two people can save 2,500 yuan a month, and about 300,000 yuan in ten years. This 300,000 yuan is the ultimate asset of ordinary families, and it is also a lifetime pension.

5. Various extra expenses

The mortgage has to be paid every month, and the efforts of being hospitalized for one year may be in vain. If you meet a more failed child, it will be a bottomless pit.

In the bank where I work, an aunt has retired with a monthly pension of nearly 4,000 yuan. It stands to reason that such a high pension can lead a peaceful old age.

But this aunt's child, who doesn't go to work all day, plays around and squanders his savings for so many years. Auntie has a monthly pension of 4,000 yuan, and she has to pay 3,000 yuan for various loans to her children.

The salary is not high and there are few places to spend money. Even if you want to save money, you are destined to be a smart woman.

In this life, people live for their loved ones and children, and rarely live for themselves. Really, when I look at everything and can live for myself, I find that life is running out.

I also wish every ordinary family a happy life and a deposit of one million! !

There are millions, and no one has a million. I'm telling you, generally everyone doesn't have that much. You said cash, not real estate. Now, according to ordinary families, it is impossible to have millions of deposits before the age of 35. At least, unless you start your own business or win a prize, you suddenly have money. That doesn't count. It's an ordinary family.

Then raise children to go to college, get married, buy a house, and have a wedding reception. It's all money, and ordinary families can't have millions at will.

My view on this issue is that there are both right and wrong sides. I am a little older, and I will experience, see and experience more.

At the beginning of the reform and opening up more than 40 years ago, driven by the spirit of letting some people get rich first and the fact that black cats and white cats catch mice is a good cat, elites from all walks of life showed their abilities and seized the opportunity to go into business to make money. With the gradual improvement of the national economy and people's living standards, it is not surprising that many families have1800 thousand. This is complementary and logical to the progress of the times and the development of society.

On the other hand, in rural areas, people do live by farming, but there is not much land. The peasant class, not a large professional peasant family, says that their family has1800,000, which is unrealistic.

In cities, wage earners and flexible employees who work in factories say that their families have1800,000, which is unrealistic.

To sum up, ordinary workers, farmers and flexible employees, roadside vendors and families have1800,000. If there is no extra money, it should be a very small number of families.

Under the present circumstances, the families of workers and peasants are still in the majority, and millions of deposits are really uncommon.

A: The highest monetary management institution "Bank" still can't give this answer. The estimate will be inaccurate.

The answer to the recent exam is this?

Now it is impossible to deposit 6,543,800 yuan in cash, but it does not exist in the bank, because the account has been closed. It was blocked because relatives of relatives, friends of friends, and more than 20,000 foreign remittances were sent to our account. Turns out the original case was a money laundering account. I am a legal businessman and pay taxes. )

(1) Let's get to the point: rich people will have rich circles. The number of people in the circle is 6.5438+0 million, which is small and common. Even hundreds of millions! (real estate, cars, never mind)

(2) If you are in a circle where you have to pay your mortgage and car loan every month, you will meet relatives of relatives, friends of friends, and among the many people you see, hear and hear? It's said how long it will take to repay the interest and principal before it can pass easily. I think I have less than1800,000 in cash. But generally speaking, 70% of China's rural families, and less than1800,000 people owe 65,438+million and have more than 300,000 deposits. Is everything reasonable?