我国人均存款“出炉”，存款超30万的家庭有多少？央行给出了数据

Core Insights - The recent data from the People's Bank of China reveals that as of the end of June this year, the total household deposits in the country reached 131.9 trillion yuan, with an average deposit of 94,200 yuan per person, and an average of nearly 300,000 yuan for a three-person household [1][3] - However, only 19.3% of households have deposits exceeding 300,000 yuan, which translates to approximately 95.53 million households out of nearly 495 million, indicating a significant disparity in wealth distribution [3] - The data also shows that only 1% of households have deposits over 500,000 yuan, challenging the common perception of widespread wealth among Chinese families [3] Economic Factors - National income and living costs are exerting dual pressure on households, with most families earning between 3,000 and 6,000 yuan per month, while high living costs consume a large portion of this income [5] - The burden of high housing prices forces many families to rely on bank loans, with substantial monthly repayments consuming most of their income, leaving little for savings [5] - The younger generation, particularly those born in the 1990s, faces a mismatch between income and consumption levels, leading to widespread debt, with nearly 90% of this demographic in debt, averaging 127,000 yuan, which would require 18 months of salary to repay [5] Conclusion - The current state of household savings in China is influenced by multiple factors, including national income levels, housing prices, and consumer attitudes, suggesting that addressing these underlying issues is crucial for creating a more equitable and harmonious economic environment [6]