Previously, economist Chen Hao said in an interview with the program, who does not have 500,000 Chinese now? The average household asset of Chinese is 3 million.
There are also professors who say that if they don't have any money, they will go to Didi.
This remark instantly attracted attention on the Internet, but at the same time, many people were curious, saying that Chinese are rich, so how rich is it?
Judging from the latest central mother's survey of the deposit data of residents across the country, the current number of deposits of Chinese is indeed much higher than that of the previous two years.
For example, before 2018, banks received about 4-5 trillion deposits from residents every year, but by 2023, they will skyrocket to 17 trillion.
But if you look closely at this report, you will find that in fact, not much of this money really belongs to the people.
So how many families in the mainland come up with 500,000 at a time? Why is it said that last year's 17 trillion really belonged to the people?
How many families can come up with 500,000
In the past, we always heard the saying that the wealth distribution rate of society is distributed according to the 28 law.
That is, 20 percent of the people occupy 80 percent of the wealth, and the remaining 80 percent occupy 20 percent of the wealth.
But according to the data released by the central mother this time, China's wealth distribution rate shocked everyone.
According to the data released by the central bank, the total deposits of mainland residents are as high as 280 trillion yuan, and if calculated on a per capita basis, it will be 200,000 yuan allocated to each person.
But per capita does not mean that there are really so many people, so Xiaobian and Ma Huateng combined, both of them are billionaires.
Judging from the results of the survey, only 0.37 percent of the people in our country really have deposits of more than 500,000 yuan, and only 1 percent can take out more than 400,000 deposits at one time.
This is the real data, which made many people feel shocked.
Because this means that less than 2% of the country's people can really take out a one-time deposit of 400,000 yuan, and if you are accurate about the number of people, it is less than 28 million.
There are only about 5.18 million people who can take out 500,000 at one time.
It may sound like a lot, but what if I say that the number of people in Shenzhen alone has gone to 18 million?
Therefore, this breaks people's inherent understanding in the past, and the wealth distribution of Chinese people is actually not distributed according to the 28th law, but 2 percent of the people occupy 98 percent of the wealth, and the remaining 98 percent of the people occupy 2 percent of the wealth.
This makes many people strange, obviously there are a lot of rich people around everyone, and now the urban living rate in the mainland has reached 98 percent.
This also means that most Chinese have a house in the city, even in the third and fourth tier cities, a house costs three or four hundred thousand, let alone millions of houses in the first-tier cities.
Then why are so many people unable to come up with the money according to the results of Yang Ma's investigation?
What is the reason why everyone has no money?
The first aspect is actually very easy to understand, that is, many people are not unable to take it out, but are trapped by houses or various negative equity.
Although we have a high occupancy rate in the city and many people have bought a house, this does not mean that the house is his own asset.
Because many people buy houses with mortgages, they borrow money from the bank to buy this house in advance for decades of assets.
Not only do these people have no money, but before the loan is paid off, the house is actually an asset of the bank, not a personal asset.
So even if this person has a house and has some money himself, as long as his house is mortgaged, strictly speaking, this person belongs to the debtor group.
People who have a house are actually considered rich, but these people have no money in the end, and they have to pay off the mortgage, car loan, and so on every month after paying their salary.
But these are only a small part of the total, and the truth that really leads to the lack of money is actually very cruel.
The second aspect is actually the low income of ordinary people on the mainland.
This is really not nonsense, in the current society, college students can only be cattle and horses after going to big cities, with jobs of three or four thousand, and staying in small cities, the upper limit is very low.
After all, it is a small number of people who can get high wages in this society.
According to a previous data released by the mainland's tax department, only 14 percent of the country's people have a salary of more than 5,000 on the mainland.
Because 5,000 is a watershed, those below 5,000 do not need to pay taxes, and this part of the population accounts for as much as 85%.
Excluding the necessary expenses such as food, drink, rent, water and electricity, there is only about 2,000 yuan left in the hands of an individual, and if you save all these 2,000 yuan, it will only be 24,000 yuan a year.
If you want to save enough 500,000 yuan for more than 20 years, this is only the premise of saving enough 2,000 yuan per month, which means that you can't get sick, you can't have children, you can't support the elderly, and you don't socialize, so more people can't save a penny a month.
The third aspect is the stress of life
In the lives of ordinary people, in addition to the above-mentioned expenses, the biggest expenses are actually spent on medical care, although many people may not go to the hospital once a year.
But once you get to the hospital, it's not a matter of a little money.
Even under the premise of medical insurance reimbursement, it costs hundreds of yuan to see a small cold, not to mention some serious diseases, which can easily cost tens of thousands and hundreds of thousands.
Another point is that with the continuous improvement of our living standards, but the corresponding prices have also been raised, but wages have not risen at all, so many people, and even many families, only earn enough money to spend themselves, where can they still save money.
The fourth aspect is that the gap between the rich and the poor is too large
In fact, most of the money in society flows among the rich, and the opportunities for ordinary people are actually very few, which means that it is difficult for this money to flow downward.
It's a simple truth, in the current third- and fourth-tier cities, 5,000 is already considered a high salary, and only a small number of people can get it, so the rest of the money goes to the rich, and the rich cannot share their wealth with the poor.
This leads to the rich getting richer and the poor getting poorer, not to mention saving money, and being able to eat enough can only be satisfied under the premise of working hard.
Before Li Jiaqi said in the live broadcast room, 79's eyebrow pencil is not expensive, and the sentence that people who are expensive are not working hard has actually proved very well that the gap between the rich and the poor in our society is too big.
Because in the eyes of the rich, the reason why the poor are poor is because they don't work hard, but if you want to take money out of his mouth, then he will break the defense and try to stop you.
But seriously, many people can't necessarily earn 79 yuan a day nowadays.
epilogue
Although the total bank deposits in the mainland have reached an all-time high, if we remove those rich people, there are very few people who can really take out 500,000 yuan at this time.
And many more households are not only unsaved, but also saddled with large amounts of arrears.
Therefore, if the Chinese have money, it is only that the rich in China have money, and it has nothing to do with ordinary people.
And in the future, the gap between the rich and the poor in China will widen predictably.
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