The "middle income" standard has been announced. Have you passed?

According to the standards previously published by the World Bank, a country is classified as a high-income country (economy) as long as its per capita national income (GNI) exceeds 12056 US dollars (about 80,485 yuan at the current exchange rate). China has just reached $65,438+0,000 per capita, and obviously has not yet entered the high-income countries. However, some provinces have reached a high income level. Such as Beijing, Shanghai, Jiangsu, Fujian, Tianjin, Zhejiang and Guangdong.

The publication of the middle income standard only provides a reference, not an absolute standard. In fact, the same middle income, some belong to the middle income near high income, and some are below the standard line, which is very different. Therefore, even if you enter the middle-income group, you may not be able to reach the middle-income living standard. It depends on whether you have a mortgage at home, what debts you have, and so on. If there is no debt in the family and the income is net income, then such a middle-income family is a real middle-income person. On the contrary, it is difficult to live up to its name.

Therefore, don't ask whether to enter the middle-income group, it depends on your actual income level, actual spending power and actual purchasing power. Only the middle-income level with purchasing power is the best.

First of all, we should define this middle income by region, and don't go north and deep, so the family income is 1 10,000 a year, which is also considered medium. If you are in Suzhou, Guangzhou, Wuxi and other industrialized areas, families with an annual income of 600,000-800,000 can be regarded as medium. Another example is about 500,000 in Nantong, Qingdao, Changzhou, Quanzhou and Chengdu. There are only two possibilities to achieve the above goals. First, both husband and wife are highly educated, in large state-owned enterprises and good institutions. Second, one of the husband and wife is doing business or selling in a good company. Otherwise, it can't be achieved.

Whether or not to "pass" depends first on what the standard of "middle income" is.

There is no strict definition of the standard of "middle income": there is no agreement on the measurement standard of "middle income" in academic circles. The standard of "middle income" given by the World Bank is daily income 10-50 USD or daily income10-0/00 USD. According to the current exchange rate of 1 USD to 6.4825 RMB, the daily income is.

According to the standards of the World Bank, in China, even if the monthly salary exceeds 1945 yuan, most office workers can reach this level. For example, in 2020, the national per capita income will be 32 1.89 yuan, that is, the monthly salary will be 2,682 yuan, much higher than 1.945 yuan. It is not difficult to reach middle income. Even the minimum wage in some cities is above 1945 yuan. For example, Beijing's minimum wage of 5438+0 in 2026 is 2320 yuan.

But in fact, the standards set by the World Bank are not of great reference significance to China, because the World Bank is set by all countries in the world, and the average daily salary of many African countries is less than 1 USD, which is a bit low for China, the second largest economy in the world.

However, there is still a set of standards for measuring middle income in the world, that is, based on the median of average income, the lower limit is 50% or 75% of the median, and the upper limit is 1.5 to 2 times, and the middle income is between this income level.

According to this standard, the median per capita income of the national residents in 2020 is 27,540 yuan, that is, the monthly income is 2,295 yuan, so the monthly income is between 1 147 yuan (or 17265438 0 yuan) and 3,442 yuan (or 4,590 yuan).

Presumably many people can reach this standard. At present, the average wage standard in third-and fourth-tier cities is more than five or six thousand yuan.

Of course, many people have reached this level. For example, it was said that the average monthly income of 600 million people in China is below 1000 yuan, but these people certainly include students, children and the elderly, so they are not so pessimistic.

China has also put forward its own "middle income" standard: 20 18 years. The Bureau of Statistics once said that those with a monthly income of less than 2,000 yuan are low-income groups, those with a monthly income of 2,000-5,000 yuan are middle-income groups, and those with a monthly income of 5,000-10000 yuan are higher-income groups, with a monthly income of/kloc-0.

According to this standard, according to the voting situation at that time, 44% netizens belong to middle-income groups.

However, some netizens think that this standard is too low to even repay the mortgage.

In 20 19, the National Bureau of Statistics said that if the annual income of a family of three reaches1-500,000, it is considered as "middle income". According to this standard, there will be 400 million middle-income groups in 20 17 years.

It should not be difficult for a family of three to earn 654.38+10,000 yuan. Suppose there are two office workers in the family, then each person's monthly salary reaches 465.438+067 yuan, which is considered as middle income. This is not to mention entrepreneurs with higher incomes, managers of middle and high-level enterprises, doctors, lawyers and self-employed.

Written at the end: there is no uniform standard for middle income, and the definition of middle income by relevant departments and the World Bank is also low, and most people can meet this standard.

Then why do we still feel that "there are not enough flowers"? In fact, this is related to the high daily expenses, especially the existence of mortgage, which directly creates an "illusion" for us: "Obviously it belongs to middle income, but there is no surplus, so we have to save money."

Actually, as far as I'm concerned, I don't care about my income level at all, as long as it's enough for my family expenses. As the saying goes, "more than enough, more than enough", why care too much?

20 19 September, at a development forum, Liu Shijin, vice chairman of China Development Research Foundation, said that it would take about 10 years to double the number of middle-income groups in China. According to Liu Shijin, according to a typical family of three, the average annual income of middle-income groups is1-500,000 yuan. In 2065, 438+09, there will be about 400 million people in China.

A family of three is basically a parent plus a child, so both parents need to work, so it is not too difficult for the family net income to reach 6.5438+10,000-500,000 yuan. Now if you work hard, it is possible for a person to earn 70 thousand or 80 thousand a year. If two people in a family work, it is more likely that their annual income will exceed 654.38+10,000 yuan.

In 2020, the average wage of employed people in China will be about 79,854 yuan. If the average salary of both parents in a family can reach more than 79,854 yuan, then the average annual net income of each person can basically reach more than 60,000 yuan, so the combined net income of two people is more than 6,543,800 yuan, and the family income basically reaches the middle income level.

Of course, the annual salary of 79,854 yuan is the average wage level of employees in China. In this case, there may be many employees whose wages are lower than the national average. However, with the development of China's economy and the continuous improvement of the wage level, more families in China may reach the middle income level in the future.

To sum up, there is no special uniform standard for "middle income". Some experts believe that an ordinary family with an annual income of 6.5438+10,000-500,000 yuan is a middle-income family. In this way, if a family has two people working, it is possible to reach a middle-income family as long as they work hard.

What are the specific standards? It is not objective to calculate only by income. Property, debt, whether there are two or three children, how many old people need to support at home, and whether the family is healthy are all hidden. I don't think we can evaluate middle-income families simply from the perspective of income.

Recently, the former deputy director of the State Council Development Research Center said that there are 400 million middle-income groups in China when attending the CMF seminar on macroeconomic hot issues. At that time, everyone was puzzled. Do they belong to these 400 million people? What is the middle income standard of these 400 million people?

In fact, this standard comes from this. On October 5th, 2065438+2009/kloc-0, the National Bureau of Statistics released the bulletin of the national time use survey for 2065438+2008. Specifically, the low-income group refers to the respondents whose monthly income is below 2000 yuan; Middle-income group refers to the monthly income of 2000 yuan to 5000 yuan; Higher income group refers to the monthly income of 5000 yuan to 10000 yuan; High-income group refers to the monthly income 1 10,000 yuan or more. According to this calculation, nearly 400 million people have reached the middle income standard.

Later, the National Bureau of Statistics also responded that the middle-income group is not equal to the middle-income group, and the monthly income of 2,000 yuan to 5,000 yuan is not considered as a "middle-income group". The "middle income group" mentioned above is actually the concept of "middle income group". But this explanation is still confusing. What should be the standard of middle income in China?

Senior officials of the National Bureau of Statistics put forward a simple standard to measure middle-income groups. If the annual income of a family of three is between 6.5438+10,000 yuan and 500,000 yuan, then the family belongs to the "middle income group". In fact, this may meet the standards in the city. If you add the vast rural base, the standard will be a bit high.

The national consulting company iResearch once published a report, which was the Financial Report on the Needs of Middle-income People in China released on October 7th, in which the middle income was defined as the monthly income of workers between 8,000 yuan and 500 million yuan. Of course, different levels of cities are different. The monthly income required by the North, Guangzhou and Shenzhen will be higher, and the demand for income will be lower and lower with the economic activity of the city.

20 15, 10 Credit Suisse put forward the definition standard of middle-income groups according to the situation in the United States. China people with personal wealth of $28,000 to $280,000 are middle-income groups if the exchange rate is converted from $50,000 to $500,000 according to the purchasing power parity published by the International Monetary Fund.

In fact, no matter what the standard, if China's economy wants to keep going up, as long as our GDP keeps growing, the most important thing is that our per capita GDP keeps increasing. If it successfully jumps to the per capita GDP of US$ 654.38 +0.4 million, the middle-income groups in China will increase greatly. This is also the future development goal pursued by the country.

According to the standards of the World Bank last year, the standard of middle income is that the annual income of adults is 3650-36500 dollars, which is about 24000-240000 yuan according to the exchange rate. The farther away from the average, the greater the gap between the rich and the poor. ...

Low income below 2000 yuan, middle income of 2000 ~ 5000 yuan, higher income of 5000 ~ 1000 yuan, high income of 10000 yuan or more. I don't know what this is based on. And this refers to the total income of the family, or the residual income after consumption. If it is the income left after consumption, that is, the money left by a family at the end of the month, then this figure is still relatively credible. If this is the total income of a family, then this figure is completely unnecessary.

For example, if a person earns 10,000 yuan a month, but has to pay back a loan of 5,000 yuan, then this person does not belong to higher or higher income, but can only be regarded as middle income. If a person earns 5,000 yuan a month, but he has to pay back a loan of 3,000 yuan, then he is not a middle income, but a low income.

Judging from the current situation, the monthly loan repayment of 5,000 yuan or 3,000 yuan I mentioned above is not too much, and can only be counted as a usual figure. Many people pay much higher than this, and even many families want the whole family to pay back the monthly payment together. So the other expenses left every month are pitifully small, all over the street.

Let's assume that the above are single people, regardless of family. If we take the family as an example, this burden will be even greater.

So what is middle income? What is passing? It can only be that most people have to make up the exam.

Thank you, Jiang Yue.

Explain the problem in another way.

I don't think there is a numerical standard for middle income. My standard is your living and consumption level.

In my eyes, middle-income people are such a group:

Eat: Basically, three meals a day are solved at home. If you go to work for dinner at noon, you may have dinner with colleagues, relatives and friends in an above-average restaurant once a month, drink a bottle of 50- 150 yuan wine and smoke a pack of cigarettes around 20 yuan. A table of dishes should be around 600 yuan except drinks. Breakfast is eaten at home, usually eggs, milk or steamed stuffed bun and porridge. Lunch and dinner are relatively simple and casual, with one meat, one vegetable and one soup of rice. You can buy some shrimp, crab and seafood when you are free on weekends. I don't eat snacks at ordinary times, but mainly eat snacks from domestic second-tier brands, such as Xizhilang, Pan Pan, Guanshengyuan and so on.

Residence: one 1-2 commercial house, one large and one small. The big one is about 130 square meters, and the small one is about 60 square meters. Give the big ones to the children, and keep the small ones for yourself later. Will not live in a rich area. Home decoration materials are mainly ordinary decoration, and the brands are domestic first-line brands. Electrical appliances are also mostly domestic first-line brands. Imported products are rarely used, and the same brand also chooses economical grades. If there is a small place in the home that needs maintenance, it is generally based on online shopping. After online shopping, do it yourself. If it really doesn't work, ask the decorator.

Wear: Usually wear domestic second-line brands and rarely consume domestic first-line brands, so children can consume domestic first-line brands or even imported brands. Do not hoard a lot of clothes, and take adequate clothes as the principle. Usually small clothes are mainly bought online. Generally don't go to large shopping malls, and occasionally go to cheap supermarkets. I especially like visiting some roadside shops, hoping to find cheap clothes, shoes and hats.

OK: Generally, a car of about10-200,000 is used. At the same time, it is equipped with battery cars. Generally, people near the road use battery cars when they go out.

Play: There are 1-2 short trips in the surrounding area a year, signing up for a group or forming a group with friends and relatives. On weekends, you may choose to go fishing in the countryside, or go to a small farmhouse for dinner.

Circle: generally, relatives and friends with the same income are the main ones, and they can't climb high-income groups and are unwilling to take care of low-income people.

These are the consumption states of middle-income families in our generation. By comparison, you will know whether you belong to the middle income level.

In my opinion, the standard of "middle income" depends not only on the specific income data, but also on the harmony of family members and the satisfaction of personal self-feeling. And failure is related to their respective perceived happiness index.

Take myself and my family for example. My wife and I are retired and entitled to a certain pension every month. Together, their monthly income is around 10,000 yuan. My monthly pension is a little over 4000. My wife is a retiree from a public hospital and belongs to a public institution. His pension is a little more than mine. Both the only daughter and the son-in-law work in state-owned enterprises in the provincial capital, with relatively stable posts and relatively stable income. My wife and I currently live in a 40-square-foot apartment. In addition to paying 1600 yuan mortgage every month, the rest of the income is discretionary. Buy whatever you want to eat and feel carefree. We feel that our monthly income and living standard are more than enough. We think our family is a middle-income family and we are full of happiness.

One of my colleagues, who participated in enterprise restructuring and reorganization at the beginning of this century, served as the director of enterprise equipment department, and his work skills were highly valued. It is also because in the years after the reorganization of enterprises, the prices of enterprise products have soared all the way, and the dividend benefit of the shares is also good. It is said that he made a lot of money. Not long ago, this colleague's lover met my lover and chatted with each other for a while. According to the lover, they are still not satisfied with their family income. But in my opinion, their family is a veritable upper-middle-income family, which not only passed the exam, but also has a rich family.

In my hometown, I often chat with my uncle in his eighties. Speaking of their current income and living standard, my uncle is very satisfied. He said that they are only worried about not eating much now. He also said that his eldest son bought them an old-age insurance in his early years, plus the basic pension he got after he was 60, the subsidy for the elderly over 80 and the subsidy for contracted land, which was enough to pay his living expenses. The 200,000 yuan he saved in his early years in business has not been moved ... Seeing his uncle's moving expression, he thought he was also a middle-income family in the village, satisfied and full of confidence.

To sum up, I personally feel that what is the standard of "middle income" and whether it fails or not depends on your cognitive situation and life self-satisfaction. And its standard is not unique. .