China residents' deposits have been "emptied"? Nearly half of the people are "penniless". Where did all the money go?

The economy is developing, the times are progressing, and the income of ordinary people has been greatly improved. But even so, many people have a strong sense of crisis. They think that without savings, they can't cope with all kinds of crises. Only by saving a sum of money can they feel safe and have the confidence to speak and do things, as many people do. Saving money has become a very important part of their lives.

But I don't know when, China residents' concept of money has changed, and they no longer believe that they don't panic when they have surplus grain in their hands. They no longer feel that there is no "security" without deposits. According to what we know, there are 560 million China residents who have no deposits in the bank, that is to say, nearly half of them are "penniless", and these 560 million people have no deposits.

Do you find it strange? Why has China residents' concept of money changed so much? What "emptied" their wallets from their previous love of saving money to their current heavy debts? Where did all their money go?

Advanced consumption "hollowed out" young people's wallets

In fact, the change of money concept mainly started from young people. For young people, the monthly income is not high, but they want to live a fine life and pursue a beautiful life experience. These all need money to support. What if they have no money? We can only choose to spend in advance and "spend tomorrow's money to fulfill today's dreams", but now it is not only young people who have this idea, but many people are doing it.

It is not unnecessary to pay back the money in advance. Many young people spend most of their monthly income on paying off last month's loans. If there is any left, it is estimated that there is not much left, and they have to maintain their living expenses. If they don't have enough money, they will continue to spend in advance. This is a vicious circle. If they don't make changes, when their income can't reach the loan, some people may embark on the road of "supporting loans with loans".

The house hollowed out the savings of the China family.

According to the data released by the central bank, the average assets of urban households in China have reached 3 1.79 million yuan. Are you scared? I feel that I don't have that many assets, so you are the kind of person who is averaged. 96% of urban families own their own property, and according to the data of the central bank, housing assets account for nearly 70% of the total assets of families. Secondly, according to the survey data released by the central bank, the average household debt in China has reached 510.2 million yuan, and the debt structure is relatively simple, that is, mortgage, so it is precisely because of the house that many families live a "debt" life.

Since 2000, the house price in China has been on the rise, with an alarming increase. According to the information learned by Bian Xiao, the highest average house price in cities in China should be Shenzhen, which is as high as 70,000 yuan per square meter, followed by Beijing. Even in some third-and fourth-tier cities, the house price is as high as 1 10,000 yuan per square meter, and the house price in the county needs more than 6,000 yuan. What about the income of residents? Most people earn between 3000 yuan and 5000 yuan a month. Some people have high incomes, but they are also below 654.38+10,000 yuan. Those cities whose house price exceeds 10000 yuan per square meter can't buy toilets after a month's hard work.

For people who want to buy a house, it may be a happy thing for a family to get enough down payment and get a loan to buy a house, but we should also know that this family has to bear hundreds of thousands or even millions of mortgages, and this time is twenty or even thirty years. This situation has become a "standard" for many families. Where can these families have extra money in the bank?

abstract

It is not advisable for young people to be "penniless" because they are ahead of consumption, or even embark on the road of "supporting loans with loans". At the same time, this "money view" and "consumption view" is unhealthy. If you are in this situation, Bian Xiao suggested that it should be changed as soon as possible, and for families, mortgage has become a very important expenditure in life, but Bian Xiao suggested that even if you buy a house with a loan, your monthly expenditure will be reduced.