2025年存款暴增，中国能一次性拿出100万的人，有多少？超乎想象

Core Insights - In early 2023, China's residents experienced a surge in savings, with new deposits reaching 9.9 trillion yuan in the first quarter, averaging 3.3 trillion yuan per month [1] - Despite the apparent increase in savings, a significant portion of the population struggles to accumulate substantial wealth, with only 0.1% of residents having savings exceeding 1 million yuan [3][5] - The average savings per person in China is approximately 80,000 yuan, but a large percentage of families have savings below this average, highlighting the disparity in wealth distribution [5][10] Group 1: Savings Trends - The surge in savings is attributed to public concerns over future income and employment, as well as high risks in domestic investment markets, leading many to shift funds to safer bank deposits [1] - Only 0.37% of residents have savings over 500,000 yuan, and the number of families with over 1 million yuan in savings is around 140,000 to 150,000 [3] - The average savings for a three-person household is only 240,000 yuan, indicating that many families find it challenging to save even this amount [5] Group 2: Economic Pressures - High living costs and slow income growth are significant barriers to saving, with most residents earning between 3,000 and 6,000 yuan per month [7] - Rising housing prices consume a large portion of household savings, with the cost of a 100 square meter apartment in major cities often exceeding 1.5 to 2 million yuan [7] - Increasing debt burdens, including mortgages and consumer loans, further diminish families' ability to save [9] Group 3: Wealth Disparity - The data from China Merchants Bank shows that 97.75% of its ordinary customers have an average asset of only 12,500 yuan, while high-net-worth clients are a small fraction of the total [5] - The stark contrast in asset distribution emphasizes the limited number of families capable of saving significant amounts, reinforcing the notion that wealth accumulation remains a distant goal for many [10]