What percentage of your friends are from families with 1 million deposits?

The answer to this question should be-see how much wealth you have?

Birds of a feather flock together, and 50% or 60% of millionaires' friends are not short of money; It's good that friends of the poor can have 12% of the rich.

Personally, if I answer this question truthfully, won't my family be exposed? I won't be fooled!

The above is purely a teasing chat. But to be honest, judging from the overall situation of the country, there are really not many families in China who can have millions of deposits now. Why?

By the end of June, 2065438+2008, the savings of Chinese residents was close to 70 trillion yuan. How is this 70 trillion allocated?

According to the data of 20 15, 40 million households have 52 trillion yuan in deposits, and the average household income is 1.3 million yuan.

If we use the "28 law"

It is said that the average household deposit is 6.5438+0.3 million yuan, but in fact, 80% of the households can't reach the average, that is, 20% of the households, that is, 8 million households, can save more than 6.5438+0.3 million yuan (about 2% of the national households).

Roughly estimated, it is basically such a data. Analyze it:

First, most people are still poor, earning tens of thousands of dollars a year, and they can't save much money except for consumption.

Second, those who earn a lot of money, with an annual salary of several hundred thousand, but spend a lot of money, such as moonlight clan, sunshine clan, mortgage, car loan, medical education, pension and so on. It is good to be able to maintain peace.

Third, many people are tired of houses, and mortgage and rent spend most of their income.

Fourth, modern people should enjoy the present and consume moderately in advance. Savings deposits are a joke to them.

Fifth, truly rich people don't keep their money in the bank. Rich people are better at using Qian Shengqian. Isn't saving money at such a low interest rate a waste of money?

Therefore, there will not be too many families with deposits exceeding 654.38+0 million, most of which may not be true, and a few may not be exposed.

As a financial worker, I am surrounded by working-class people who live on wages, and of course I have a few business friends, but there are very few families with a deposit of 6.5438+0 million yuan around me, less than one thousandth.

First, most of these friends around me are petty-bourgeois families, and there are not many rich people. Most of them will not put their funds in bank deposits to reduce depreciation. Generally, they have conducted investment activities, such as buying bank products, investing in funds and entering the stock market.

Second, in the current situation of high housing prices, many people have little left after buying a suite. Even if some people have spare money, they will buy shops or facades, and some people will buy a second or third set of commercial housing. These investments will always have higher returns than bank deposits, so most people will not keep the remaining funds in the bank.

For these reasons, the growth rate of bank deposits is slowing down now, which is indeed a great dilemma for the bank's future economy.

Commentator Menning:

The most important asset of most families in China is the house. In recent years, with the rise of housing prices, there are not a few families with assets exceeding 654.38+0 million or even 654.38+0 million, but personal financial assets (bank deposits, stocks, bonds, fund shares, asset management plans, bank wealth management products, trust plans, insurance products, futures rights and interests, etc.). ) reached 654.38+0 million.

According to the data released by the Ministry of Finance, by the end of June 2065438+2008, the balance of domestic and foreign currency deposits in China was 178.34 trillion yuan, up 8. 1% year-on-year. Among them, the balance of RMB deposits was 173. 12 trillion yuan, up 8.4% year-on-year, and the balance of foreign currency deposits was $789.2 billion, down 0.5% year-on-year. The balance of household deposits is about 684,000 yuan. According to the population of 654.38+39 million, the per capita deposit balance in China is 49,200 yuan.

The Report on Family Development in China released by the National Health Planning Commission shows that the average number of families in China has dropped to 3.02, and it can be calculated that the average household deposit is about 6.5438+0.5 million yuan, and the savings of seven families can barely reach 6.5438+0.5 million yuan. It can be speculated that the number of households with deposits exceeding 1 10,000 will not exceed 1%.

When the bank implemented the deposit insurance system in 2065438+2005, the central bank announced that the quota of 500,000 could cover 99.63% of depositors, that is to say, 99.63% of personal deposits did not exceed 500,000, and only 0.37% of personal deposits exceeded 500,000.

Although China people don't like to show off their wealth, most families really don't have much savings.

I work in a bank, and the deposit of 200,000 yuan is already a gold card customer of many banks, so there are few cash deposits of millions. Some friends who engage in engineering and investment hardly have millions of deposits, because they have to use the money to make money, roll around and may even lose money. Only one friend I know is exaggerating. He once looked at the balance of Cary, but he was also a rich second generation, with four cars, the best Audi A8 and the worst Subaru off-road. In short, the thought of having no money annoys me.

Coordinate Shenzhen, although Shenzhen is one of the four first-tier cities in China, the superficial scenery of Shenzhen is actually that most people are in dire straits, not to mention 1 10,000 deposits. Many people in Shenzhen have no deposits at all!

Take my side as an example. There are at least 200 colleagues, friends, classmates and neighbors I know, but I estimate that there are no more than 5 people with real deposits of 6.5438+0 million, and only a handful of them have loans of 6.5438+0 million.

This is also in line with the basic level of per capita deposits in Shenzhen:

At present, the per capita deposit in Shenzhen is only about 84,000.

We all know that Shenzhen's GDP is currently the third in China, with a per capita GDP of 20179,000, which is 53,500 higher than that of Beijing (Beijing's per capita GDP is 20124,500), but Shenzhen's per capita deposits are 42,000 less than that of Beijing. It can be seen that although Shenzhen's economy is developed, there are not many deposits, so why is this happening? I think there are two reasons:

First, high housing prices and high consumption have seriously overdrawn everyone's income.

At present, Shenzhen's housing prices rank among the top three in China. Under normal circumstances, the down payment for buying a suite needs more than 654.38+00,000, and the monthly payment is also more than 654.38+00,000. In addition, the cost of living is relatively high, so many people have no deposits. Like a friend I know, the couple's monthly income is about 30,000, the monthly house payment is 20,000, the children's kindergarten payment is almost 3,000, and the car payment is almost 4,000. The remaining 3,000 is relatively tight and there is no deposit.

Second, many people don't like deposits.

People living in Shenzhen are mainly young people. At present, the average age in Shenzhen is only about 34 years old. Young people have advanced ideas, are interested in new things, know all kinds of financial channels and are willing to try, so many people don't keep their money in the bank even if they have money. Everyone knows that the money in the bank will depreciate, so many people prefer to buy financial products such as funds, stocks and p2p.

For example, I think a friend and his wife both work in the hospital. Both of them earn at least 500 thousand a year. At present, they have a house and a car, and their financial funds are at least 1.5 million. Most of the money is to buy funds, and only pocket money is left in the bank account.

Although in the financial securities circle, investors in other industries must think that there are many rich people, not to mention the deposits of 654.38+0 million, or even tens of millions. However, in the middle financial circle and securities circle, there are indeed many assets of 654.38+million, or even 654.38+million, but there are not many deposits of 654.38+million. I don't think it's even 5% Why?

First, most of my friends don't put their money in bank savings, but more in stock market, futures, wealth management, national debt and reverse repurchase of national debt. The annualized interest rate of banks is relatively low. Although there are large deposit certificates, the liquidity of large deposit certificates is poor, which is not as good as bank financing. Although the safety factor of deposits is much higher, the safety factors of bank wealth management, national debt and reverse repurchase of national debt are not bad, especially national debt and reverse repurchase of national debt. So there is very little money in the real bank. Even if there are idle funds that flow daily, many friends will choose to use them in the mainstream monetary fund platform. The main reason is the difference of interests. If the interest rate of bank deposits is high, it will also flow to banks. However, at present, there are really few friends with deposits of 654.38+0 million. It should be said that wealth management, funds, government bonds and reverse repurchase of government bonds account for a relatively high proportion.

Second, more funds are still in the stock market, or in the wait-and-see stage. Many friends have been in the market for more than ten years, and they are reluctant to sell too many stocks. The annual interest income is better than that of banks, so the funds have been in the stock market. Although there are fluctuations, profitability also exists. Of course, there are also wait-and-see funds. Such friends generally invest their daily wait-and-see funds in different proportions in reverse repurchase of government bonds with different maturities, which can earn better interest.

On the whole, it is not that there is no deposit of 6.5438+0 million, but it is relatively low. Generally speaking, funds are used for financial management and investment. It is estimated that only 5% of friends have 6.5438+0 million (including certificates of deposit) in the bank.

The author is not easy, I like it very much. Thank you very much

To tell the truth, my parents are businessmen, and it's really not good to see 1 10,000 depositors among the people they contact! But for people around me, most of my relatives and friends can't come up with 654.38+00,000 deposits, so the proportion here may reach about 5%-654.38+00%! That is to say, only 5- 10 people out of 100 have 100000 deposits! And many students around me have worked hard for more than ten years, just enough to buy a car. . . . . . Therefore, there are really few people who have millions of personal savings!

For a first-tier city like Shanghai, if the assets are only 654.38+0 million, it is poor, but the deposit of 654.38+0 million is not bad, but the premise must be that there is a house and a car, and there is no loan! Because I didn't go to work, my friends around me were either classmates, classmates, or friends of some friends introduced me, and some were met by motorists' clubs and previous World of Warcraft games. Therefore, except for a few businessmen, investors and even people with relatively good family environment, most of these people have hundreds of thousands to hundreds of thousands of deposits, and even moonlight families. . . .

Finally, to be honest, many rich friends around me have basically developed with their parents' start-up funds. To be honest, in this era, either you can turn over as a tuyere industry, or you can only rely on your parents to start your capital development. The chances of really wanting to be admitted to make money or even start a business from scratch are very, very small! Therefore, the so-called rich people, 70% actually inherited the wealth accumulation of the previous generation, and only 30% made it by themselves, so it is really rare!

About 20% of your friends may deposit 654.38+0 million!

Friends around me are generally in their 40 s and have worked for about 20 years. Many of them are middle-level cadres and senior managers, and some of them run their own businesses. The annual income of these people is generally above 6.5438 million, and some are as high as several hundred thousand. But the number of people who can really save more than one million may be about 20%.

Friends around me have a strong sense of financial management. Many people will consider buying a house first. After buying more than two houses, they will also consider buying funds or stocks. Not many people really put their money in the bank. This is mainly because the interest rate of bank deposits is too low, and many friends who put money in banks will also make some wealth management products to raise interest rates.

In the past two years, there have been more and more friends who may save money in the bank. Because of the market fluctuation in previous years, this year's stock market is very bad. Many people lost a lot, and some people reduced their positions. Many people are completely disappointed with funds and stocks, and after they come out, they buy bank wealth management and deposits. Because, although the interest rate is low, the risk of bank deposits is very low, including the risk of bank financing. Although the rate of return is not high, the loss is relatively difficult.

Now there is1100,000 deposit at home, which can also resist many risks. It can be said that the ability to resist risks is still relatively strong. Moreover, 1 10,000 yuan, if the financial management can achieve a rate of return of 4.5%, the risk is very low, and the bank interest of 45,000 yuan a year can also improve the living standard.

In real life, even if many high-income families earn hundreds of thousands or more a year, they must be very frugal if they want to save1000000, otherwise the goods are extremely rich and there are too many temptations, and the money will be spent carelessly. Some high-income families buy luxury goods and drive luxury cars every day. Once their business or investment fails, they will immediately become poor. Therefore, life is a long stream of water, one is to open up sources, the other is to cut costs, so that your life is getting better and better.

To sum up, because the friends around us are generally over 40 years old, and all of them are middle-level or senior managers of enterprises, their income is relatively high, and the possible performance of family savings reaching 6,543,800+100,000 accounts for about 20%.

Thanks for reading, thank you!

Think seriously and live wisely. Welcome your attention!

I feel that there are millions of friends around me, because they all work in the company, such as taxation, transportation management, tobacco and electricity, so they will definitely save a lot. In the investment companies that were popular a few years ago, almost many working-class people invested their money. Because they basically don't do business, the interest of investment companies must be much higher than that of banks. Suddenly, an earthquake happened overnight, and all the investment companies closed down. In this way, our working class will be the worst, because business people will not be put in. Stock trading is more profitable, but people who have a little business doorway will not let go. It can be said that they returned to before liberation overnight. I tried to save money in the first half of my life, but I didn't want to spend money, but I threw it away. Now I honestly deposit my money in the bank.

As the saying goes, birds of a feather flock together, and people who deposit millions are surrounded by millions. For example, the president class of EDP courses in various universities or cheung kong graduate school of business, these people have a deposit of 654.38+0 million yuan, not to mention 654.38+000%, and more than 80% is absolutely appropriate; And the deposit balance is not as long as the deposit password. If you want to say how many friends around him have 1 million deposits, it is estimated that you can count them with one finger.

Take myself as an example, it happens to be the second case, so my friends, whose family savings exceed 6.5438+0 million yuan, may be one or two (of course, this is my subjective judgment, after all, people can't show me the bank card balance). Actually, I'm not the only one I think that more than 95% of the savings of people, friends and family members with more than 654.38+0 million yuan can be counted with one hand. Why?

20 15 before the central bank issued the deposit insurance regulations, it searched the personal deposit data of Chinese residents. According to statistics, in 20 15 years, only 0.37%( 100%-99.63%), only 500,000 yuan, not 600,000 yuan. If the total amount of the two accounts exceeds 654.38+00,000, it should be more, but at most it will not exceed 0.37% of 500,000, that is, 270 people. Perhaps the deposit of one account will exceed 654.38+00,000. Look at your address book again. How many friends are there? 654.38+0,300 people? If not, you can count with one hand.

Why is the deposit so small?

In fact, if I ask about assets, my answer will be that almost 50% of my friends have done it. Why? Because now, as long as you own a house in the city, your assets will basically reach 1 10,000 yuan, which is the so-called million net worth. In addition, bank deposits are basically the choice of middle-aged and elderly people at present. Most young people will choose to invest in bank wealth management products or structured deposits, funds and other products instead of bank deposits. This is also a reason for the low deposit.