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一个家庭有多少资产,才算得上有钱?4个条件只要符合一个就算
Sou Hu Cai Jing·2025-06-27 05:48

Core Viewpoint - The definition of "wealthy individuals" varies significantly across different social classes, regions, and age groups, with a recent authoritative institution establishing four criteria to classify someone as wealthy [1][3]. Group 1: Wealth Criteria - The first criterion is a family net worth exceeding 3 million yuan, which includes assets like housing, cars, and financial assets, minus liabilities. The average net worth of urban families in China is 2.736 million yuan, with only about 30% exceeding this average [5]. - The second criterion is an annual family income exceeding 500,000 yuan, equating to a monthly income of over 42,000 yuan. Only 4.6% of families in China meet this income level, which is significantly above the average family income of 123,000 yuan for a three-person household [7]. - The third criterion is owning two or more properties. Approximately 19.3% of families in China own multiple homes, with ownership rates varying by region: 13.7% in first-tier cities, 18.5% in second-tier cities, and 22.6% in third and fourth-tier cities [9]. - The fourth criterion is having financial assets exceeding 1 million yuan. The average financial asset per family is 316,000 yuan, with only about 8.2% of families surpassing the 1 million yuan mark [11]. Group 2: Financial Asset Trends - The composition of family financial assets is changing, with bank deposits decreasing from 68.3% in 2015 to 51.7% in 2025, while equity assets like stocks and funds have increased from 15.6% to 28.3% [12].