全国人均存款逼近12万元，多省公布数据

Group 1 - The core viewpoint of the article indicates that while household deposits are increasing, loan amounts are decreasing, reflecting a cautious consumer sentiment regarding spending and home purchases [1][2][7] - As of the end of 2025, the total household deposits in China reached 167 trillion yuan, with a year-on-year growth of 9.71%, translating to an average of approximately 118,900 yuan per person [2][4] - In Guangdong province, the total loan balance was 29.9 trillion yuan, with a deposit balance of 38.7 trillion yuan, maintaining the highest financial volume in the country [2][4] Group 2 - In 2025, household deposits in Zhejiang province reached 11.85 trillion yuan, showing a year-on-year increase of nearly 10%, while non-financial enterprise deposits grew by 4.2% [4] - Jiangsu province reported a significant increase in household deposits, with a year-on-year growth of 11.48%, making it the province with the highest growth rate among those reported [4][5] - The increase in household deposits is attributed to heightened precautionary savings, a shift from riskier assets to safer bank deposits, and efforts to repair personal balance sheets [5][6] Group 3 - The structure of loans has changed, with household loans in Guangdong decreasing by 47.18 billion yuan, while corporate loans have seen a notable increase [7][8] - In December, corporate loans in Guangdong increased by 5.36% year-on-year, with significant growth in both short-term and long-term loans [7][9] - Analysts suggest that the increase in corporate loans is supported by policy-driven financial tools and a recovering manufacturing sector, as indicated by the PMI returning to expansion territory [8][9]