Household deposits increased by 10.33 trillion yuan in the first half of the year, with an average of 57.1 billion deposits pouring into banks every day

In the first half of the year, household deposits increased by more than 10 Trillion yuan , Chinese people prefer to save money , Why do Chinese people prefer to save money ？ Saving money should be the gene of Chinese people ！ There have been since the ancients “ In time of peace prepare for war ” This point of view .“ By the end of 2022 First quarter of 2009 , The total amount of residents' deposits in China is about 111.13 Trillion yuan , The family owns 600 How many are there in ten thousand ？ What is the family's willingness to allocate assets in the future ？ Next, follow Xiaobian to understand the data related to savings assets ！

 2021 The total balance of residents' deposits in all provinces and cities in

Deposits of provincial and municipal residents nationwide , Deposits of residents in Guangdong Province 9.7 Trillion yuan ranks first in the country , The permanent resident population of Guangdong is also the first in China 1.26 Hundreds of millions of people ; Jiangsu Province followed closely with household deposits 7.5 Trillion yuan , The permanent resident population is 8500 ten thousand people ; Shandong Province ranks third in resident deposits 7.2 Trillion yuan , Permanent population 1 Hundreds of millions of people .

  China's high net worth household assets

Households with net assets of more than ten million exceed 200 Thousands of families , According to Hurun's top 100 rich list, in China , Yes 600 Million yuan of household net assets “ Rich families ” reach 501 Thousands of families ; With a household net worth of 10 million yuan “ High net worth family ”202 Thousands of families ; With a household net worth of billion yuan “ Super high net worth family ”13 Thousands of families ; There are billion yuan of investable assets “ Super high net worth family ”7.7 Thousands of families ;3000 Million dollars of investable assets “ International super high net worth family ”5.4 Thousands of families .

Family's willingness to allocate assets in the future

Residents' asset allocation has 56.6% Of residents prefer bank savings , Short term factors that affect residents' preference for bank savings , It is the production and operation of these two years , unstable 、 Increased uncertainty , This has led to an increase in residents' Preventive Savings motivation ; The second is insurance 29.42% People prefer this ; In third place is cash 27.11% Prefer cash .

Financial management preferences in different regions

notes ：TGI Index = [ The proportion of the target group with a certain characteristic / The proportion of people with the same characteristics in the population ]* Standard number 100.

Shanghai aifang Beijing finance , Guizhou Henan Insurance . Most concerned about “ Real estate ” Five provinces , Shanghai ranks first TGI128; Most concerned about “ The stock market ” Five provinces of , Beijing ranks first TGI215; Most concerned about “ insurance ” Five provinces , Guizhou ranks first TGI121; Most concerned about “ conduct financial transactions ” Five provinces of .

Household deposits increased in the first half of recent years

Chinese people prefer to save money , In the first half of the year, household deposits increased by more than 10 Trillion yuan . Data released by the central bank shows , RMB deposits increased in the first half of the year 18.82 Trillion yuan , Compared with the gain 4.77 Trillion yuan . among , Increase in household savings 10.33 Trillion yuan . Household deposits increased in the first half of the year 10.33 Trillion yuan , It means , In the first half of the year , On average, about 571 Billion deposits poured into the bank .

From the chart ,2021 Household deposits increased in the first half of the year 7.45 Trillion yuan ,2020 Household deposits increased in the first half of the year 8.33 Trillion yuan ,2019 Household deposits increased in the first half of the year 6.82 Trillion yuan ,2018 Household deposits increased in the first half of the year 4.26 Trillion yuan . in other words ,2022 Household deposits increased in the first half of the year, hitting a new high in the same period in recent years .

Resident consumption 、 savings 、 Willingness to invest

According to the central bank 2022 Questionnaire survey report of urban depositors in the second quarter of , Tend to “ More consumption ” Of the residents 23.8%, Tend to “ More savings ” Of the residents 58.3%, Tend to “ More investment ” Of the residents 17.9%. in other words , The number of people willing to save more money has greatly increased , And fewer people are willing to invest more .

2021 Ranking of household deposits in major cities in

2021 The leaders in the total amount of household deposits in are Beijing and Shanghai , The amount of household deposit is 48744.3 One hundred million yuan 、42652.6 One hundred million yuan , There is a big gap with the second tier .

Guangzhou 、 Chongqing and Shenzhen are in the second tier , Household deposits have exceeded 2 One trillion . Chengdu 、 tianjin 、 Hangzhou 、 Xi'an 、 wuhan 、 Nanjing followed closely , Household deposits in these cities exceed 1 Trillion yuan , It belongs to the third tier in the country .

The proportion of users interested in financial management in Chinese cities

China （ part ） The proportion of financial interested users in various cities , Beijing 、 Shanghai 、 Shenzhen 、 Chongqing is the overall leader, with the highest proportion of financial interested users ; The performance of Dongguan and Zhengzhou is eye-catching , Users are more interested .

 90 Post fund public portrait

90 Post female Jimin is “ rise gradually ”, Sex ratio of the basic people , Male is 56%, Women are 44%; monthly income 3 Thousand 90 The proportion of the post base people is close 9 become ,“ Holding the idea of making some milk tea money to buy funds, I didn't expect that buying funds would become the biggest expense ” Many netizens make complaints about it ;90 Post Internet base occupation distribution , near 4 It is IT Employees ;90 The post base people are mainly concentrated in some and new first tier cities , As the city level decreases , The distribution of basic people gradually decreases .

Categories preferred by consumers

Clothing and food are two types of consumer preferences , Distribution proportion 29.44%、28.64%; Daily necessities and footwear bags account for less , Respective proportion 7.66%、6.13%.

Investment behavior of different age groups

50 After the 11.2% Our investment is more inclined to preserve assets , Unwilling to take investment risks ;50 After the 26.1% Our investment is more inclined to , Try to ensure that the principal does not care about the low income ;;60 After the 53% Our investment is more inclined to , Generate certain benefits and be willing to take certain risks ;70 After the 23.5% Our investment is more inclined to , Generate more benefits and take greater risks ;80 After and 90 After all, there are close 9% Our investment is more inclined to , We are willing to take great risks to achieve substantial asset growth .

Xiaobian will take you to know here first , The savings data in the data screen provides you with reference , It is a free and component rich visualization platform , If you want to know about friends, you can try it on the official website of Baidu search platform .

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