The per capita savings of major cities in China have been released. Have you reached the standard?

Reading guide ：2021 Annual deposit ranking , Which city residents have the most money ？

written words ： chipmunk , data ： Dong Daoli

edit ： Tang Yeqin , Design ： Qi Tonghui

source ：DT Finance and economics, （ID：DTcaijing）

A discussion about deposits , It is being enthusiastically spread out among young people .

“96 Annual deposit 1 ten thousand 8 Is it too little ？” “01 Annual deposit 1 Is it normal ？” On social platforms , We see a lot of people with “ Age + deposit ” It's a formula , Give an account of your assets , Cause onlookers and discussion .

The topic of deposit always brings its own attention , Behind it is the young people's concern for money 、 anxious 、 expect . One hand 2 Ten thousand yuan deposit 00 My friend said , The desire to buy a house or a car puts a lot of pressure on me ：“ Maybe many people suffer from insomnia because of their feelings , But I have insomnia because of how much money I can save .”

Not long ago , The statistics bureaus of various cities have published 2021 Annual household deposit data . The topic of saving has stirred up a storm in people's minds , Once again, it has aroused heated discussion among the whole people .

today , Let's study ： Which urban residents can save the most money ？ In the past 2021 year , How much money have they all saved ？

01 2021 Deposits in major cities in China TOP10

How many household deposits can a city have , Affected population 、 Economic level 、 Consumption habits and many other factors .

In order to understand the deposit status of major cities in China , We went through the whole country 36 Key cities （ Municipalities directly under the central government 、 Provincial capital cities and cities specifically designated in the state plan ） National economic and social development statistical bulletin, etc , Select one 2021 With complete annual data 27 Compare cities .

You can see , Beijing 、 Shanghai 、 Guangzhou 、 Chongqing and Shenzhen are 2021 The largest amount of annual household deposits 5 Cities .

Beijing and Shanghai are the economic leaders ,2021 The total amount of annual household deposits leads the country by fault . Guangzhou 、 Chongqing and Shenzhen are in the second echelon , Household deposits have broken through 2 Trillion yuan .

As TOP5 The only non first tier city in China , Chongqing mainly depends on its vast territory and large population . By 2021 end of the year , The population of Chongqing ranks first in China ,GDP Second only to Shanghai 、 Beijing 、 Shenzhen 、 Guangzhou , Ranked fifth in the country .

Chengdu 、 tianjin 、 Hangzhou 、 Xi'an 、 wuhan 、 Nanjing followed closely , The total amount of household deposits in these cities exceeds 1 Trillion yuan , It belongs to the third echelon nationwide .

however , For ordinary people , The total amount of cities may just be a talk to broaden our horizons , Per capita figures , Is the life reference that is directly related to you ,2021 year , The national per capita deposit amount is 73135.9 element . We are based on the major cities in 2021 The number of permanent residents at the end of the year , Calculate the per capita savings of each city , Enter our statistics 27 Of the major cities , Yes 23 The number of has exceeded the national average .

Even if the impact of population size is shared , Per capita , Beijing 、 Shanghai It is still the city with the most deposits .2021 year , Beijing has deposits per capita 22.27 Ten thousand yuan , Shanghai has reached 17.13 Ten thousand yuan .

The total amount of household deposits in some cities is average , But the per capita data is very bright . For example, Hangzhou ranks eighth in total household deposits , Per capita has deposits 12.96 Ten thousand yuan , Next to Beijing 、 Shanghai , Rank third .

Next is Guangzhou 、 taiyuan 、 tianjin 、 Shenzhen 、 nanjing , Per capita savings have exceeded 10 Ten thousand yuan .

Chongqing 、 Chengdu 、 Three cities in Wuhan , Although the total household deposits are very high , But excluding the high population base , The per capita deposits have fallen out of the top ten . Chongqing's per capita deposit data fell to the bottom of the list , stay 27 Of the major cities, it ranks No 24 position .

02 2021 year , How much did the residents save ？

Learn about the savings accumulated in various cities over the years , Let's look at the past year , How much money do urban residents actually save .

We will 2021 The deposit data of the year is compared with that of the previous year , And then it makes a simple calculation with the population data , Results found ,2021 In, households in major cities all over the country saved more or less .

2021 year , New deposits per capita nationwide 6967.1 element . On average , Each person saves about every month 580.6 element . If your monthly new deposit reaches this value , Even if we catch up with the national average .

By city ,2021 The cities with the largest per capita new deposits in are still Beijing and Shanghai .

among , Beijing 2021 The annual per capita new deposits are the largest , achieve 19522.1 element , It's equivalent to each person saving 1625.8 element . According to the latest data from the Beijing Municipal Bureau of human resources and social security ,2020 In, the average wage of the employees of the full caliber urban units in Beijing was 112886 element , The average monthly salary is about 9407 element . On average , Beijing friends will be paid about the same 17% Put into deposit .

Shanghai 2021 The annual per capita new deposit is 17408.1 element , Equivalent to average monthly deposit 1450.7 element . According to the latest data released by Shanghai human resources and Social Security Bureau ,2020 The annual average wage of employees in full caliber urban units is 10338 element / month , It's equal to about of the salary 14% As a deposit .

It is worth noting that , Although the deposit data in Shanghai is lower than that in Beijing , But per capita disposable income and average wage are higher than those in Beijing . Statistics Bureau data show ,2021 Per capita disposable income of Shanghai residents in 78027 element , Beijing for 75002 element . This may explain , More savings do not necessarily mean stronger economic capacity . Compared with Beijing , Shanghai residents are more willing to consume or invest , Low willingness to save .

Compared with the accumulated deposits per capita ,2021 There have been some changes in the ranking of new deposits per capita in , To some extent, it indicates the relative rise or decline of savings willingness in some cities . for instance , Hangzhou 、 Guangzhou Wait for the city ,2021 Ranking of new deposits per capita in , It ranks lower than the accumulated deposits per capita ; and tianjin 、 nanjing 、 shijiazhuang Wait for the city ,2021 Annual per capita new deposits are relatively higher , To a certain extent , Over the past year, these cities' ability or willingness to save money has become relatively stronger .

03 2021 Major cities in China , Deposits and GDP Growth vs

In order to further understand the willingness and ability of urban residents to save money , We also compare the nominal growth rate of deposits per capita of each city with that of the current year GDP The nominal growth rate is compared （ The influence of price factor is not considered , Calculate only the number growth , It is different from the actual growth rate , For rough reference only ）.

We're all over the country 36 Select the major cities with complete data 26 Cities , Will each city 2020 year -2021 The annual per capita nominal growth rate of deposits is related to the per capita GDP The nominal growth rate is shown on the scatter chart , And split by median , Four quadrants are drawn .

Cities in the first quadrant , Per capita GDP Both the number growth and the per capita deposit growth are higher than the average level . These cities , Good economic development , Residents' income is high , The willingness to save is also relatively strong . Beijing 、 Shanghai 、 taiyuan 、 Hefei 、 Tianjin etc. , All belong to this range .

Cities in the second quadrant , Although per capita GDP The number growth is average , However, the growth of per capita deposits has remained at a high level , For example, Shijiazhuang 、 Xiamen 、 nanjing .2021 The economic development of these cities slowed down in , Residents automatically adjust their willingness to consume , Increased willingness to store , So relatively willing to deposit more money in the bank 、 For saving .

Cities in the third quadrant , Per capita GDP Both the digital growth and the per capita deposit growth are lower than the medium level of major cities in China , For example, Xi'an 、 Changsha 、 Hangzhou, etc. . But from the specific data , Except Wuhan , The growth rate of deposits per capita in other cities is very close , And very close to the median level .

Cities in the fourth quadrant , Per capita GDP High number growth 、 The growth of deposit per capita is low , We can argue that , Cities in this quadrant make money 、 The motivation to spend and invest , It's better than saving money . In our statistics 26 In the city , Guangzhou 、 ningbo 、 yinchuan 、 haikou 、 Nanchang and Fuzhou are in this range .

At the end

The above is the deposit data of our statistics . Many friends may find , own 2021 The money saved in has not caught up with the average level of our city .

But the average level is not a reference for personal life . According to China Merchants Bank 2021 Annual report , stay 1.73 Billion customers , Sunflower and above customers （ The capital standard of sunflower financial card is that the average monthly and daily assets reach or exceed 50 Ten thousand yuan ） have only 367.2 Thousands of families , About 2.1%, And the total balance of assets of these people , Up to... Of the total asset balance of retail customers of China Merchants Bank 82.1%.

Actually , Household deposits reflect the basic profile of the savings capacity and willingness of residents in a region , Its significance is not to give ordinary people self comparison and reference . How much is the deposit amount , There is no authoritative measure .

It's like having 50 Ten thousand yuan deposit , Buy a house in a small city with all the money and pay off the mortgage in a big city , Living two very different lives . For individuals , It is more important to consider the possible risks , Follow your own pace of life , Arrange each sum of money reasonably .

Some people insist on saving money to do great things , Gain a sense of security in the gradual increase of bank card numbers , There are also people who enjoy themselves , Get pleasure from consumption , Who can say , They are not living their ideal life ？

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