新版家庭存款“等级表”出炉，6个等级，多数人竟卡在第2级

Core Insights - The article discusses the disparity in household savings across China, highlighting a new classification system that categorizes families into six levels based on their savings [2][10]. Group 1: Household Savings Levels - Level 1: Households with savings below 100,000 are classified as the "subsistence level," with 90% of families falling into this category [2][10]. - Level 2: Households with savings between 100,000 and 300,000 are considered the "well-off level," where many working-class families reside, indicating a better ability to withstand financial risks compared to the subsistence level [3][5]. - Level 3: Households with savings between 300,000 and 500,000 are categorized as the "middle class," primarily consisting of stable income earners such as government employees and retirees [6][10]. - Level 4: Households with savings between 500,000 and 1,000,000 are classified as "wealthy families," representing only 0.37% of the population, equating to approximately 185,000 households [9][10]. - Level 5: Households with savings between 1,000,000 and 5,000,000 achieve "financial freedom," with only 0.1% of households reaching this level, amounting to about 494,000 families [10][11]. - Level 6: Households with savings exceeding 6,000,000 are considered "high-net-worth families," typically comprising high-ranking executives and successful entrepreneurs [11][13]. Group 2: Implications of Savings Levels - The majority of families are stuck in the second level, indicating a significant portion of the population struggles to accumulate wealth beyond basic savings [10][14]. - The article suggests that once families reach a certain savings threshold, they often divert funds into investments or consumption, which can lead to financial setbacks [10][14]. - The classification system reflects broader economic trends and the challenges faced by different income groups in achieving financial stability and growth [10][14].