人均存款出炉！家庭存款"达标表"公布，你处于哪个阶层？ 周末去楼下超市买酱油，刚走到收银台就听见张阿姨和李叔在唠嗑："你看新闻没？说现在人均存款都 快15万了！我家三口人，算下来得有45万才达标，可我存折里连20万都不到，这不妥妥拖后腿了？"李 叔也叹气："你这还算好的，我儿子刚买了房，房贷每个月6000多，不仅没存款，还欠着银行大几十万 呢！"其实不光他俩，最近"人均存款"的话题一出来，不少人都对着自己的银行卡余额犯嘀咕："我咋没 达到平均水平？是不是日子过得太糙了？" 先给大家报组官方数据：中国人民银行2024年末的数据显示，全国住户存款余额突破140万亿元，算上 全国14亿多人口，人均存款确实接近15万元。但咱得说句实在的，"人均"这数儿真不能全当真——就像 小区里有的人家存款上百万，有的刚够应急，一平均就显得大家都挺有钱，可实际情况差得远呢！更靠 谱的得看"家庭存款"，毕竟过日子是一家人的事，单身和三口之家的存款需求完全不一样。今天就结合 央行、国家统计局的权威数据，给大家聊聊家庭存款的"达标表"，看看不同阶层的存款范围是啥样，再 说说咱普通人家该咋规划存款，别被"人均"数据搞得焦虑。 一、先搞懂：" ...

Core Insights - China's household savings rate remains significantly higher than the international average, driven by a cultural perception of savings as a crucial safety net, especially after the pandemic [1] - As of June, total household deposits reached an astonishing 132.21 trillion yuan, averaging 94,000 yuan per person, but this average masks the reality of wealth distribution [1][3] - The wealth distribution is highly skewed, with only 2% of the population holding 80% of the savings, indicating that the average savings figure does not accurately reflect the financial situation of the majority [3] - Many households face financial pressures due to low incomes and high living costs, making it difficult to save, with many families struggling to accumulate even 100,000 yuan [3][4] - The younger generation's tendency towards overspending has exacerbated the savings issue, with nearly 90% of those born in the 1990s being in debt, averaging 127,000 yuan in liabilities [4] - High housing prices have created significant financial burdens for many families, with a total residential mortgage scale of nearly 39 trillion yuan, leading to minimal savings for those heavily indebted [5]