Group 1 - The total balance of personal deposits in China reached 134.98 trillion yuan, with an average of 95,600 yuan per person, indicating a significant amount of savings among the population [1] - However, 65% of Chinese households have savings below 163,000 yuan, revealing a stark contrast between average figures and the reality faced by most families [3][4] - A small percentage of families hold a disproportionate amount of savings, with 2% of households owning 80% of the total deposits, while over 560 million people have no bank savings at all [3][9] Group 2 - The income levels for ordinary Chinese residents are generally low, especially in second and third-tier cities, where monthly incomes range from 3,000 to 6,000 yuan [4] - High debt levels, particularly from housing loans, have increased financial pressure on households, with total household loans reaching 75.23 trillion yuan and housing loans at 44.64 trillion yuan [9] - The disparity in savings and income, coupled with high housing costs and debt, makes wealth accumulation a challenging task for the majority of families in China [10]