经济学家陈浩:人均家庭资产300万，存款50万！央行排查结果出来了

Core Viewpoint - The statement by economist Chen Hao regarding the average family asset in China being 3 million yuan has sparked significant online debate, revealing a stark contrast between perceived wealth and actual financial reality [1][4]. Group 1: Family Wealth Statistics - Only 182.8 million households in China can easily withdraw 500,000 yuan, representing just 0.37% of all households, indicating that 99.63% cannot access this amount [4][5]. - There are approximately 494 million households in China, meaning that less than 4 out of every 1,000 households can withdraw 500,000 yuan at once [5]. - Over 20% of families hold 60% of total savings, highlighting a significant wealth concentration [5]. Group 2: Discrepancy in Wealth Perception - The average family asset in China is reported at 3.179 million yuan, while the per capita disposable income is only 36,900 yuan, suggesting a disparity between asset ownership and income levels [7]. - A significant portion of the population, approximately 600 million people, earn less than 1,000 yuan per month, which is often overlooked in wealth discussions [7][12]. - The majority of individual investors in the A-share market have assets below 500,000 yuan, with only about 7% holding more than this amount [7]. Group 3: Housing and Debt Impact - Housing constitutes over 70% of family assets, but this "paper wealth" is not easily convertible to cash, as many families are burdened with substantial mortgage debts [9]. - The top 1% of families hold assets exceeding 10 million yuan, while the bottom 50% have assets below 500,000 yuan, skewing the average asset figures [9]. - Family debt, particularly from mortgages, accounts for 76% of total liabilities, indicating that the reported average asset figures may not reflect true net worth [9]. Group 4: Public Reaction and Criticism - Chen Hao's comments have been criticized as out of touch with the realities faced by the average citizen, leading to a perception of economic elitism [11][20]. - Many online users expressed frustration, suggesting that economists should be more aware of the struggles faced by the general population [12][20].