Perhaps in the eyes of many people, 654.38+0 million is not a number at all, and 1 100 million should be a "small goal". But in fact, it is not easy to have more than 6,543,800+bank deposits. Because most people's houses and cars are bought by mortgage loans, which overdraws your future income, and it is definitely a minority that can really deposit money in the bank of 654.38+0 million.
First of all, even if there are millions, the deposit banks are scattered, and it is impossible to have one bank at a time. In particular, China promulgated and implemented the Deposit Insurance Regulations from 2065438 to May 2005. According to the regulations, the maximum amount of compensation for bank deposits is 500,000. In other words, even if you have a million dollars, you can't keep them all in one bank. It is likely to be scattered in more than two banks.
Moreover, it is not surprising that there are only more than 6,543.8+0.4 million people with pure bank deposits. Because the bank deposit interest rate is too low now, rich people are reluctant to deposit their money in the bank, but buy a lot of bank wealth management products, or high-net-worth people like 1 10,000 can entrust the bank to do private wealth management services, and the yield is definitely much higher than that of depositing in the bank.
Finally, many families have diversified their assets even if they have a large amount of cash, so not many people really put all their money in the bank. Therefore, if the pure bank deposit exceeds 6,543,800 yuan, it is normal for more than 6,543,800 people. According to 20 18 China Urban Family Wealth Health Report, 42.9% of family financial assets are bank deposits; Followed by wealth management products, accounting for13.4%; Households allocate less risky financial assets, with stocks accounting for 8. 1%, funds accounting for 3.2% and bonds accounting for only 0.7%.
However, in the face of the rapid slowdown in the growth rate of residents' deposits in China, we believe that the savings habits of China people are quietly changing. On the one hand, the savings habits of the older generation have also changed. In addition to traveling and shopping, Chinese aunts also like to speculate in stocks and buy gold, and they are no longer worried about the stable income of bank deposits. On the other hand, young people spend in advance and no longer love to save money. The household debt ratio has risen sharply, and the scale of personal loans for residents alone has exceeded 20 trillion yuan. This is actually a dangerous signal.
In all fairness, it is difficult for ordinary working families to come up with 6.5438+0 million in cash. Of course, there are only more than 6,543.8+0.4 million individuals with deposits over 6,543.8+0.4 million, which is underestimated. Because there are both the factors of dispersing deposits and the diversion of various financial channels. In fact, there are definitely more people with domestic liquidity exceeding 6,543,800 yuan than the published data, but there are not many individuals who can quickly take out12 million in cash in a short time.
As we all know, China people always prefer bank deposits, especially middle-aged and elderly investors. With the rapid development of domestic economic level, people's income level is also rising. So, how many people in China today have more than one million deposits?
As one of the countries with the highest household savings rate in the world, by the end of 20 18, the scale of household savings in China had exceeded 173 trillion yuan, and the per capita personal savings was about 20,000 yuan.
To tell the truth, 6,543,800 yuan is not a small sum. Although most people now have a house and a car, it is hard to say that the bank deposit exceeds 6,543,800 yuan. Because many people buy their houses and cars by mortgage, the money that can really exist in the bank is tens of thousands or hundreds of thousands. Of course, there is another possibility that people are reluctant to deposit their money in banks because the interest rate on bank deposits is too low.
In addition, as we all know, the domestic economic development is unbalanced. Except for the southeast coastal areas and some developed provinces in central China, other areas are still in a relatively backward state and even poor. Therefore, in a first-tier city like "North, Guangzhou and Shenzhen", it may be easy to deposit more than one million. But there are relatively few other cities.
According to relevant survey data, only 0.3% of China's population of more than 65.438+300 million people have deposits of more than 500,000 yuan, that is, about 4.7 million people have deposits of 500,000 yuan. However, there are only 0. 1%, that is, 1.4 million people, and the deposit exceeds one million.
However, it should be noted that since China promulgated and implemented the Deposit Insurance Regulations in May 20 15, according to the regulations, the maximum amount of compensation for bank deposits is 500,000 yuan. So many people often take this into account when saving money in the bank (that is to say, they will have more than one million scruples).
It should be emphasized that the deposits shown in the above data only come from bank statistics. People who invest in other wealth management products cannot be completely included, and these people may be the people with the most wealth. Therefore, we can only know a little about the whole leopard.
Generally speaking, except for important tools such as houses, the bank deposits of ordinary people are not very high on average. Some people may joke that basically everyone is a millionaire or even a multimillionaire, including the house. This is true, but only 1 0.4 million people have pure bank deposits exceeding110,000 yuan. what do you think?
In the 1980s, ten thousand households were a glorious title. After 2 1 century, millionaires are the envy of everyone. These are all at the top of the pyramid.
Then, how many people now have personal deposits of more than 654.38+00,000?
By the end of 20 18, China's per capita deposit level is about 20,000 yuan. For a family of three, the average household deposit is about 60,000 yuan. Those who deposit more than 500,000 yuan account for about 0.37%, about 5 million people. If the deposit is 6.5438+0 million yuan, because there is no public data, the gross account is only 0. 1%, which is about 6.5438+0.4 million people.
In other words, if you have 654.38+0 million bank deposits, you are one in a thousand.
This is just counting bank deposits. The rich have more assets in real estate and other real estate, as well as other investments such as stocks and equity. One million in the bank is already a lot.
Of course, there are also many people who have millions of deposits, but they may bear much more debts. Moreover, if you live in a first-tier city like Beijing, Shanghai and Shenzhen, many small families with a family income of one million spend money on raising children, repaying loans, eating, drinking and having fun. , is also a big expense, not even money left. On the surface, however, these people have millions of property.
(Qingxi)
Yes There is an old lady next door who is over 70 years old and has a monthly pension of more than 4,000 yuan. She has two daughters and no son. More than twenty years ago, her daughters got married one after another, and it was no big deal. She didn't marry anything. I have watched her for many years. Year after year, she hardly spent any money and never saw her buy new clothes. Household items are the same as when she first moved. She lives on the first floor, which is cooler. She doesn't need air conditioning or even an electric fan. She has a 29-inch TV, which is always covered with a piece of cloth. No, there is no cell phone. A few years ago, during the holidays, the unit will issue some benefits such as rice flour oil, which is enough to eat and save the necessary consumption. Her water pipe controls dripping, and it is said that the water flowing out in this way does not pass through the water meter. She hardly buys food. In summer, she will open a small plot in the green belt of the community to grow some vegetables, and then plant some vegetables in several foam boxes. In winter, she eats pickled radish. She hardly eats meat, saying it is indigestion and uncomfortable. The two daughters don't live far away and don't often come back. When they come back, they stay for a while and then leave. One of her granddaughters was admitted to the university the year before last. She went to the fruit shop and bought four or five processed bananas. She has lived a frugal life all her life. If you save 4,000 yuan a month, it will be nearly 50,000 yuan a year. Ten years, twenty years, thirty years, you should have accumulated a lot of money, all of which are more than one million. I really can't figure out why she saved money. Maybe she just saw the change of the number in the passbook, and it became bigger, which was already very satisfying.
Come uninvited, because this is a very interesting topic. After reading the previous answer, I was not very satisfied, so I took the time to study this question. There are some experiences and understandings, which are shared here as follows:
As we all know, the Deposit Insurance Ordinance was promulgated in February 2065438+2005. Before the promulgation of these regulations, the central bank made a statistical analysis of Chinese deposit accounts, and the final insured amount was 500 thousand. The information at that time was that 99.63% of the accounts were below 500,000. So it is speculated that there are about 4.7 million accounts with more than 500,000 data, and then there are about 6.5438+0.4 million people with more than 6.5438+0.4 million deposits.
It should be said that there is nothing wrong with this logic, but the data is very distorted. Why? There are two problems:
First, because the survey data at that time was based on the statistical data of 20 14, but now it has been five years, and the number of rich people in China is exploding every year, especially the average annual growth rate of high-net-worth people is around 40-50%, so there must be more data now.
Second, at that time, only deposit accounts were investigated, but these people still had other assets, such as stocks, funds and wealth management products. These assets can be turned into deposits at any time, but in fact, these accounts are often converted from each other.
Knowing this, it is not difficult for us to understand why there are so few statistics, but we actually feel that there are many rich people around us, especially friends in first-tier cities such as Beijing, Guangzhou and Shenzhen.
It should be said that as long as everyone keeps their money in the bank, the central bank will certainly have all the data. However, these data will not be released to the public unless there is a big economic census or a survey on the concentration of personal wealth, especially since we are still in the stage where personal wealth is not made public and the personal credit information system is still being established and improved. If it is not a coincidence, the truly accurate data, as an ordinary person, is definitely unknown.
According to my understanding of banks, if depositors' deposits in banks reach a certain amount, banks will basically provide depositors with more personalized services, such as issuing VIP cards of various grades and recommending various personalized wealth management or investment products to customers. So this data can be inferred theoretically.
For example, many banks now have private banking departments, serving customers with at least 5 million assets (in fact, they are all deposits at the beginning, and then banks will recommend various wealth management or investment products to you). What data is this? We can obtain relevant disclosure data from the annual reports of listed companies:
The above figure is the data obtained from the 20 18 public annual report of listed banks. According to various channels, by the end of 20 18, the total number of private banking customers was about 600,000, of which CCB had the largest number, reaching 1272, and its total assets had exceeded 10 trillion, which means that the average assets per household were 1600.
However, this is only the data of listed banks. We also have a large number of city commercial banks and rural commercial banks. For example, I once talked to a friend about the number of accounts in their bank (a rural commercial bank in a small county) with more than 654.38+00,000. He said, there were about 600 at that time, so how many were there in the country? Although the analogy is not good, there is no doubt that the number of people with deposits exceeding 1 10,000 is obviously not as small as we said!
Of course, there are some more direct statistics. According to "20 19 China Private Wealth Report" issued by China Merchants and Bain Company, the number of people whose investable assets exceeded100000 by the end of 2010000 was about197000, and it will reach 2.2 million by the end of 201000. Note that this is100000, so why can't100000 become a private bank customer? I think the reason is actually very simple, that is, the ordinary wealth management or steady investment income of customers below 5 million is not enough to pay the personalized service fees of banks. The general evaluation of professionals is that accounts with more than1-5 million are 2-3 times that of 5 million accounts, that is, about 4-6 million. In this case, the number of people with deposits exceeding 6.5438+0 million should be between 6 million and 8 million.
Some people say that these people don't all hold deposits, which may be assets such as funds, stocks and insurance. That's right, but anyone who has experience in stock investment knows that as an investable asset, some states must exist in the form of deposits at some time. Therefore, it is completely reasonable to use investable assets to explain deposits.
We can also calculate it according to household savings data. In 20 18, the balance of Chinese residents' deposits was 72.44 trillion yuan. According to the population of China139.5 billion, the per capita deposit is about 52,000 yuan. But because wealth is unbalanced, if we follow the "28" principle, that is, 20% people have 80% wealth, and apply the "28" principle twice, we can roughly estimate the number of accounts with millions of deposits.
In addition, I once watched a program on Beijing Financial Channel. I remember a professional once said that there is a high net worth person with an average asset of over 10 million among 80 people in Beijing every year. According to this calculation, it is about 270,000. Of course, it is mainly real estate, but real estate also accounts for a certain proportion of family wealth. Even if 90% of the assets of these 270,000 people are houses, the remaining 10% is deposits. What if it is extended to Shanghai, Guangzhou, Shenzhen, Chongqing, Chengdu and Hangzhou?
Welcome to pay attention and communicate together.
The city where I live is a third-and fourth-tier city. Excluding a house, a car and daily expenses, there is not much deposit of 654.38+0 million.
If the total assets of the house, car and household appliances exceed 6.5438+0 million, there are not many loans.
Ordinary urban households' normal deposits1002 million. However, deposits of more than 500,000 yuan are limited.
It is not easy for a rural person to have a deposit of100000.
100000 yuan is it still called money now? It wasn't ten thousand dollars thirty years ago.
There is no law, so get along!
Now China's per capita income is rising, but at the same time, prices are also rising sharply. I always feel that income will never exceed expenditure; Especially under the premise that it is difficult to make money and high consumption in the current society, and under the premise that online loans are popular, an ID card can make small loans; I believe that at present, there are very few people whose personal deposits in China exceed 6.5438+0 million. On the contrary, people with debts of 6,543,800+million will definitely exceed those with deposits of 6,543,800+million. So how many people in China currently have personal savings of more than 6.5438+0 million? We can predict by data.
According to the statistics of China's deposit insurance regulations at that time, the bank's insurance deposit regulations guaranteed that individual bank deposits did not exceed 500,000 yuan, and this 500,000 yuan has covered 99.64% of China's people; It can be estimated that China's current deposits exceed 500,000 yuan, accounting for 0.36%; If there are about 65.438+35 million people in China, the total number of people with deposits above 500,000 yuan is: 65.438+35 million people * 0.36% = 4.86 million people; About 4.86 million people with deposits exceeding 500,000 yuan.
Then according to the statistics of global millionaires in 20 18, there were only 3.48 million millionaires in China in 20 18; Moreover, most of these millionaires hold personal total assets, not personal deposits of one million yuan; From this data, we can once again speculate that the number of people with 6.5438+0 million deposits in China is 3.48 million.
Secondly, according to the millionaire's data, it can be speculated again that among these 3.48 million people, there are very few people who can really deposit more than one million in the bank; Especially now, the interest rate of bank deposits has hit a record low, prices have soared, currency depreciation has accelerated, and wealth management products are colorful and varied. The proportion of individuals who can deposit 654.38+00,000 in the bank does not exceed 30%, and it is absolutely impossible for 70% of people to have 654.38+00,000 assets in the bank. Therefore, it can be calculated that there are 3.48 million people * 30% =/kloc-0.044 million people, and it can be concluded that there are about/kloc-0.044 million people with deposits in China.
Do you think this data is outrageous? Actually, it's not crazy. Faced with various problems in today's society, there are very few people with personal deposits of 654.38+0 million. Let's look at family income. Personal savings income of more than one million yuan, at least to achieve a well-off living standard or middle-class families. A family with a house, a car, no debt and no big expenses can have 6,543,800 yuan in the bank.
From the above data, it can be concluded that due to various reasons, factors and pressures in today's society; Personal deposits of 6,543,800+are astronomical figures for most people, and some people earn 6,543,800+are astronomical figures, not to mention deposits of 6,543,800+; Therefore, a comprehensive analysis shows that there are about 1044000 yuan of individuals in the country 100000 yuan, which is not outrageous at all. This is a very normal number.
If you don't agree with the above data, you can discuss it in the message area below and tell the number of people with more data.
Not much.
At most, it accounts for 0. 1% of the total population, less than10.4 million.
In addition to the rich, there are the older generation who made a fortune in the early days, but are unwilling to invest again because of their personal level.
Because the younger generation of rich people are reluctant to turn their assets into cash deposits when they have money, because the currency is constantly depreciating.
Then according to the data published on 20 16, the per capita deposit in China is only 20,000. Only 0.37% people have a deposit of more than 500,000 yuan.
According to the distribution structure of the wealth pyramid, the number of people whose deposits can reach 654.38+0 million may not exceed 0.654.38+0%. At present, China's total population is 65.438+0.395 billion, which means that the number of people with deposits can exceed 65.438+0.95 million, and these families are mainly concentrated in economically developed coastal areas. From 20 16 to 20 19, three years later, there are more rich people, but fewer people are willing to freeze their money in the bank to depreciate. Because people's financial knowledge is getting richer and richer.
More importantly, now the house has become people's first choice "investment goods", and part of the money has gone to buy a house. Few people save money instead of buying a house.
To be clear, even if there are millions, deposit banks are scattered in different deposits and rarely deposit all their money in one bank. China promulgated and implemented the Deposit Insurance Regulations in May 20 15. According to the regulations, the maximum amount of compensation for bank deposits is 500,000. That is to say, even if you have1100,000 yuan, it is impossible to have all of them in one bank, and it is likely to be scattered in more than two banks, so the deposit of 6,543,800 yuan+0,000 yuan in one bank is even less. But there will be a little more deposit of 6.5438+0 million.
In addition, with the increase of financial management methods, people also have more financial management methods, not just deposits. According to 20 18 China Urban Family Wealth Health Report, 42.9% of family financial assets are bank deposits; Followed by wealth management products, accounting for13.4%; Households allocate less risky financial assets, accounting for 8. 1%, 3.2% for funds and 0.7% for bonds.
I am a 70-year-old housewife. I have not had a steady job and have been working for more than ten years. My salary will never catch up with my expenses. Every time I spend money, I feel distressed and look at my husband's face. Sometimes I feel that no matter whether men or women have no money, they are nothing. I chose to start my own business at this embarrassing age. I can finally be myself. I don't have to feel bad about spending money. I don't have to look at anyone's face!