让我们先做一道算术题： "您好，请问办理什么业务？" 柜台玻璃后，银行职员小陈手指飞快敲击键盘，眼神却悄悄扫过客户账户余额——这是她工作五年养成的"职业病"。今天上午，她已经办理了三十多笔业 务，存款最多的是一笔50万元定期，最少的是一位老人颤巍巍递进来的300元。 "如果哪一天能看到一个百万存款的账户，我能兴奋一整天。"小陈下班后和同事聊天时说。 这并非玩笑。根据央行最新数据，我国居民存款总额已突破128万亿元。若按14亿人口平均，每人存款约9.14万元。但银行职员们心知肚明："平均"二字， 掩盖了中国存款世界的真实图景。 一、百万存款的"隐形俱乐部"：比你想的还要小 假如你有100万元现金存款，不考虑房产、股票等其他资产，仅就银行存款这一项，你已经超越了多少中国人？ 银行内部流传着一组未公开但业内认可的数据：全国范围内，存款超过50万元的个人账户占比不到2%，而存款超过100万元的个人账户，占比可能低于 0.5%。 "白金卡客户在我们支行属于'珍稀物种'。"某股份制银行支行行长私下透露，"我们支行服务范围内有约10万有效客户，但白金卡（通常要求存款100万以 上）持有者不到200人。" 这意味着什么？如果 ...

Core Viewpoint - The article discusses the perception and reality of having a million yuan in savings in China, highlighting the challenges of low interest rates and the socio-economic implications of reaching this financial milestone [1][4][12]. Group 1: Financial Reality of Million Yuan Savings - Achieving a savings of 1 million yuan is considered difficult, with over 90% of bank clients not reaching this threshold [4][8]. - In Shenzhen, a city known for its high cost of living, the average salary is around 10,000 yuan, making it challenging for many to accumulate 1 million yuan in savings [4][6]. - The average monthly salary in Shenzhen is reported at 12,400 yuan, ranking third in the country, which reflects the competitive financial landscape [6]. Group 2: Wealth Distribution and Class Structure - The proportion of individuals with savings exceeding 1 million yuan is estimated to be around 2% based on data from major banks [8][11]. - According to the 2024 Hurun Wealth Report, only about 1% of Chinese households have assets exceeding 6 million yuan, indicating that million-yuan savers are part of a small elite [11][12]. - The article notes the "olive-shaped effect" in wealth distribution, where middle-aged individuals hold a significant portion of wealth, while younger and older demographics lag behind [12]. Group 3: Banking Services and Client Segmentation - Banks categorize clients based on their asset levels, with "platinum" services typically starting at 500,000 yuan, indicating a tiered approach to wealth management [7][9]. - The criteria for becoming a "platinum" client vary among banks, with some requiring a minimum of 100,000 yuan in average financial assets [9][10]. - The article emphasizes the importance of financial planning and the potential benefits that come with higher savings, such as access to exclusive banking services [12].