我国存款总额227万亿，居全球首位，人均存款出炉，你达标了吗？

Core Insights - China's household savings rate remains significantly higher than the international average, driven by a cultural perception of savings as a crucial safety net, especially after the pandemic [1] - As of June, total household deposits reached an astonishing 132.21 trillion yuan, averaging 94,000 yuan per person, but this average masks the reality of wealth distribution [1][3] - The wealth distribution is highly skewed, with only 2% of the population holding 80% of the savings, indicating that the average savings figure does not accurately reflect the financial situation of the majority [3] - Many households face financial pressures due to low incomes and high living costs, making it difficult to save, with many families struggling to accumulate even 100,000 yuan [3][4] - The younger generation's tendency towards overspending has exacerbated the savings issue, with nearly 90% of those born in the 1990s being in debt, averaging 127,000 yuan in liabilities [4] - High housing prices have created significant financial burdens for many families, with a total residential mortgage scale of nearly 39 trillion yuan, leading to minimal savings for those heavily indebted [5]