Are there many families with 2 million deposits?

At present, there are not many families with 2 million deposits and cash flow, because in previous years, the financial management concept was that whoever has several suites will cash in and whoever has cash deposits will depreciate. So several suites are more common, and not many have so much cash.

How many suites are really important and a symbol of wealth! But the key is to realize it. According to data analysis, the successful realization rate of real estate is only 5%, and only 5 of the 100 properties in the market can become cash! How poor the liquidity is! At present, the stock of vacant houses in China has reached an astonishing 65 million sets. Money is the only thing that can be sold, and brick cement is the only thing that cannot be sold (except for self-occupation and rental). Families can't take out money when they are in a hurry! Among the three elements of family asset allocation (safety, value preservation and liquidity), liquidity is the most easily overlooked! Advise friends to pay attention to the liquidity of assets, there are some cash flows of deposits. For real estate, antiques, jade, calligraphy and painting, etc. These are not easy to achieve, we should choose a reasonable holding.

20 19 1 month, downloading tax app on mobile phone is very popular, and the tax declaration review will become more and more strict. If you are deeply touched by the new tax collection, what about the property tax in a few years? The cost of holding a property will be higher. I'm not kidding you.

There is an inspiring fable: in the scorching desert, it takes ten days to get out alive. You can only choose one of the two bags in front of you. One bag contains 20 kilograms of gold, and the other bag contains 20 kilograms of water. If you choose gold, you are a multimillionaire, but you can't walk out of the desert! If you choose water, you can walk out of the desert, but you are poor! At this special moment, is the most valuable gold still valuable?

First of all, we must work out the income of each city where China people live, and then we can roughly work out whether there are 2 million depositors in China who are the majority or the minority.

In China, the income in the south is higher than that in the north. The average income in the south is 5000-8000 yuan, and that in the north is 2000-5000 yuan. The population in the south is less than that in the north, plus the population in the west. The income in the west is generally 1500-4000 yuan, which is even lower.

In a family in the south, two couples went to work to earn money. The gross income is about 200,000 yuan a year, and the north100,000 yuan. Southern families 10 can save 2 million if they don't eat or drink for 0 year, and northern families can save 2 million if they don't eat or drink for 20 years. In fact, it is impossible for families in the north and south to save so much money. Only business families can have a large amount of deposits. Business families are definitely a minority in China, so families with 2 million deposits are a minority.

Family fortune password commentator Qian Xiaoshuai:

If the assets exceed 2 million, there are many people in the country, and basically a suite is far more than 2 million.

But if people with personal savings of more than 2 million are rare in the country.

First of all, talk about what kind of people can have 2 million in the bank. First, there is no debt, that is, there is no mortgage and car loan. In addition, in a city with a house and a car, the income can meet the daily expenses, involving medical care, insurance, children's education, pension and so on.

According to the statistics of 20 18, the number of millionaires in China is about 4 million, but note that the standard of millionaires is assets, not deposits, so we should give a big discount to these 4 million people. Let's temporarily calculate a quarter, that is, 1 10,000 people. There are 2 million people in the country who have deposits, but 1 10,000 people, compared with 1 10,000 people.

Of course, the millionaire shown in the data is not so accurate. There are many invisible rich people in every country in the world, but in any case, few people can save 2 million.

The following data comes from the credit balance sheet of local and foreign currency deposit financial institutions published by the People's Bank of China on 20 18.

What are the total deposits of 1 and 20 18?

At the end of 20 18, residents' demand deposits were 271499.98 billion yuan, time deposits were 45,293.850 billion yuan, and total deposits were 72,443.848 billion yuan. At the end of 20 18, residents' deposits were 66,074.738 billion yuan, 2065,438. Compared with the beginning of the year, the end of the year increased by 6,3691.1billion yuan, an increase of 9.6%, which shows that China is a big savings country and everyone loves to save money.

2. How many families have 2 million bank deposits?

According to 2065438+2008 and 65438+2008, the total deposit of residents is 7244384800 yuan, and the per capita deposit is 55726.03 yuan. Are you stalling? There are at most 724,438.48 million/2 million households with 2 million deposits =3622 1924 (at most 36.22 million).

Attached is the total monthly deposit of residents for 20 18 years.

I have 3 million dollars of spare money, but I don't think I'm rich yet? I don't know why, maybe I was too poor and had a strong sense of crisis when I was a child!

The population of China is 654.38+383 million. According to the data on the internet, we know.

The proportion of deposits in China exceeding 500,000 is 0.3%, which is equivalent to 4 1.58 million of the population of 65.438+38.3 million!

Then, according to the calculation of a family of three, in fact, only 0.0 1% and only 1.383 million people have deposits exceeding 1 10,000.

If it reaches 2 million, it may be less than half of this figure!

The reason is simple:

1. At present, most household assets are not allocated too much in deposits, but more in real estate. So whether a family is rich or not depends not on deposits, but on real estate.

There are two kinds of people who have deposits now, one is the elderly and the other is the rich. For most young people, deposits are very small, and most of them are used for financial management;

3. Young people are mostly moonlight people, born with a heavy debt line and a high credit debt problem, and there will not be too many deposits;

To sum up!

Are there many families with 2 million deposits? Actually, it's really not much. In this case, those who can keep 2 million deposits in the bank for a long time are basically rich people.

There should be many rich people with other asset allocations who will put 2 million in the bank and accept the losses caused by depreciation.

Because they don't care, what they do is decentralized layout investment.

I just opened my bank account and left. The balance is 4847.62 yuan. Ha ha ha ha ha ha ha ha ha. Is there anything lower than me?

Of course not much.

If the family's total assets are as high as 2 million?

That's a lot.

However, you said that there are not many families whose savings should reach 2 million.

Lao Liang once said in a program that the deposit insurance limit of 500,000 covers more than 99% of depositors, which means that less than 1% of people have more than 500,000 deposits.

Zhihu once saw a data:

If your wealth exceeds 65,438+0,606,000 yuan, it will exceed 95% of the population of more than 20 cities in Chinese mainland.

This figure is 20 15, but the wealth here includes not only deposits, but also less than 2 million. In addition, this sample is the urban population.

It is conceivable that if the sample is expanded nationwide and wealth (assets) is converted into deposits, the quota will be increased to 2 million.

You can definitely surpass 99.9% of families.

Do you say there are many families with 2 million deposits?

Specifically, it is very small. Less than 5% or even less than 3% of the national household deposits exceed 2 million, and it may only be 1%.

You can see two sets of data. In 20 18, there were only 50,000 large brokerage firms with 10 million users with stock account assets above 2 million, accounting for only 0.5%, which was lower than 1%. Of course, if Tucao's A-share performance this year is really poor, that is.

Another set of data shows that in 20 18 years, the national bank deposits will be 100 trillion, and there will be 135 billion people in China, that is, the per capita deposits will be only 75,000 RMB. According to the calculation of a family of three people, the household deposit is 225,000 RMB, which is just a little more than 10% of 2 million RMB, which is really far from 200.

Therefore, there are still very few families with 2 million deposits in China.

There are many families with bank debts of 2 million, but few families with bank deposits of 2 million, which is estimated to be within 4.88 million families in the country.

There are hundreds of millions of families in China, but among these hundreds of millions of families, the proportion of families with bank deposits exceeding 2 million yuan is very low. Here are two data to demonstrate.

20 19 hurun wealth report data

According to the data of Hurun Wealth List, there are 33.2 million middle-class families in Chinese mainland, including 4.88 million "wealthy families" with family assets of 6 million, 3.87 million in Chinese mainland and 654.38+0010/000 households with family assets of 6 million.

From this data, we can infer that the bank deposits of these wealthy families, of which 2 million can reach a quarter of more than 6 million wealthy families, are very high, with about 6.5438+0.5 million families.

Data of deposit insurance regulations

2065438+May 1 2005, China officially implemented the protection of the Deposit Insurance Regulations, and there will be deposit insurance funds behind major banks to protect depositors' deposits.

According to the Deposit Insurance Ordinance

Securities data show that 99.63% of domestic bank deposits are less than 500,000 yuan, and only 0.37% of domestic bank deposits exceed 500,000 yuan. According to this ratio, only 5180,000 people deposit more than 500,000.

Therefore, among the 50,000/kloc-0,800,000 people, I think that the proportion of deposits that really exceed 2 million is at most 20%, which is estimated to be about 654,380+0,036,000 people, and the remaining 80% are people with less than 2 million bank deposits.

Although with the economic growth in recent years, everyone's income has increased, but at the same time, the cost of living and pressure have also increased. Anyway, the real family savings in the country are very small.

In addition to the above two arguments, there are very few households with deposits now, let alone 2 million, and the national overestimation has reached 4.88 million, mainly for the following reasons:

(1) Most families in China are in debt, and the proportion of families who are really not in debt is relatively low. Even families who are not in debt rarely really want to withdraw 2 million bank deposits.

(2) Many family assets in China are mainly real estate. Among the assets, there are few bank deposits. As long as they have money, they will buy some fixed assets. Families with a lot of cash can't save money unless they are very rich.

(3) With the rapid development of economy, the life pressure of every family is great. In the face of the era of "it is difficult to make money, but it is even more difficult to save money", many people are in debt and few people have deposits. Today's young people, especially the developed advanced consumption, are ahead of schedule, with no deposits at all, only liabilities.

By May 2020, these three factors will cause many families in China not to allocate too much bank deposits.

Summarize and analyze

According to the situation of domestic families, it is estimated that there are many families with debts of more than 2 million or household assets of more than 2 million, but few families with bank deposits of 2 million.

Due to the complicated environment in 2020, it is very normal for families with 2 million bank deposits not to exceed 4.88 million, which is beyond doubt.

My answer is the most professional.

First, not much. Very few.

Second, according to the "28" principle, 20% of the people save 80%, that is, 654.38+03 billion people save 60 trillion yuan, the top 2.25 billion people save 48 trillion yuan, and the per capita deposit is 200,000, that is, the per capita deposit of the top 20% is 200,000. If we follow the 28 th principle again, 50 million people will deposit 38 trillion yuan, with a per capita income of 760,000. A family of three seems to be 2.3 million. So there are only 50 million people. About 20 million families, 2 million deposits.