别再被“人均存款”误导！普通家庭的健康负债率其实是这个数

Core Viewpoint - The article emphasizes that average deposit figures can be misleading and do not accurately reflect the financial health of ordinary households, urging a focus on personal financial metrics instead [1][3]. Group 1: Average Deposits and Financial Reality - The average deposit per capita in China is projected to exceed 280 trillion yuan by 2025, leading to misleading averages due to the significant proportion of corporate deposits, which account for over 50% of total deposits [3]. - Wealth distribution is highly uneven, with a small number of high-income individuals inflating the average deposit figures, which can misrepresent the financial situation of the majority [3]. Group 2: Key Financial Metrics - The article highlights the importance of understanding the "macro asset-liability ratio," which is the ratio of liabilities to assets, with a healthy debt ratio recommended to be below 50%, ideally between 30% and 40% [3][4]. - It clarifies that assets should be calculated as "net worth," meaning only the net value of properties should be considered, while liabilities should only include fixed debts like mortgages and car loans [3][4]. Group 3: Debt Management - The "debt repayment ratio," defined as the monthly debt repayment amount relative to after-tax income, should ideally be 40% or less to be considered healthy [4]. - As of 2025, the household debt ratio in China has reached 66.4%, a significant increase of 27 percentage points since 2015, with over 40% of households exceeding the 50% warning threshold primarily due to high mortgage debt [4][5]. Group 4: Financial Safety Recommendations - Households are advised to prioritize paying off high-interest debts, such as consumer loans and credit card installments, and to maintain an emergency fund equivalent to 3-6 months of expenses [5]. - The article concludes that financial security for ordinary families is not about having the highest deposits but rather about maintaining a healthy debt structure and ensuring adequate emergency savings [5].