There are really not many families with savings and cash flow of 2 million yuan at present, because the concept of financial management in the past few years was that whoever has a few houses will be honored, and whoever has cash deposits will depreciate. Therefore, it is common to have a few houses, but not many to have so much cash.

How many suites you have is indeed important and is a symbol of wealth! But the key is realization. According to some data analysis, the successful realization rate of real estate is only 5%. Only five out of 100 properties on the market can be turned into money! How bad the liquidity is! At present, the stock of vacant houses in China has reached an astonishing 65 million units. If you sell them, you will get money, but if you don't sell them, you will get bricks and cement (except for self-occupation and rental). Families stare blankly when they are in urgent need of money and cannot come up with it! Of the three elements of home asset allocation (security, value preservation, and liquidity), the most easily overlooked is liquidity! I advise friends to pay attention to the liquidity of assets and have some cash flow from deposits. For real estate, antiques, jades, calligraphy and paintings, etc. that are not easily liquidated, you must choose to hold them wisely.

In January 2019, the download of personal tax apps on mobile phones was very popular, and personal tax declaration and verification will become more and more strict. If you feel deeply about the new personal tax collection, what about the property tax in a few years? The cost of holding the property will be higher. I'm not kidding you.

There is a very inspiring fable: It takes ten days to get out alive in the scorching desert. You have two bags in front of you and can only choose one. Twenty kilograms of gold and twenty kilograms of water in a bag. If you choose gold, you will be a multimillionaire, but you will not be able to get out of the desert! If you choose water, you can walk out of the desert but be penniless! At this special moment, is the most valuable gold still worth anything?

First of all, we need to calculate the income of each city where Chinese people live, and then we can roughly calculate whether China's 2 million households with deposits are the majority or the minority.

In China, the income in the south is higher than that in the north. The per capita income in the south is generally 5,000 to 8,000 yuan, while the per capita income in the north is generally 2,000 to 5,000 yuan. The population in the south is smaller than that in the north, and the population in the north is even higher. Including the western region, the income in the western region is generally between 1,500 and 4,000 yuan, and the average income is even lower.

A couple in a southern family work to earn money, and their annual gross income is about 200,000, while that of a northerner is about 100,000. A southern family can save 2 million if they don’t eat or drink for ten years, and a northern family can save 2 million if they don’t eat. Don’t save 2 million yuan in 20 years. In fact, it is impossible for families in the north and south to save money like this. Only families doing business can have a large amount of savings, and business families are definitely a minority in China, so they can have 200 Households with a savings of RMB 10,000 are in the minority.

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But if we talk about people with personal deposits of more than 2 million, they are very few and very rare in the country

First of all, we have to talk about what kind of people can deposit in banks. With 2 million, first of all, there are no debts, that is, no mortgage, car loans, etc., and secondly, I have a house and a car in a certain city, and my income can meet daily living expenses, including medical care, insurance, children's education, elderly care, etc.

In the statistics of 2018, the number of millionaires in our country is about 4 million, but note that the standard for millionaires is assets rather than deposits, so these 400 There will be a big discount for 10,000 people. For the time being, let’s count one quarter, that is, 1 million people. People with 2 million deposits in the country are only 1 million people. Compared with the 1.4 billion Chinese, they are really very rare.

Of course, the millionaires shown in the data are not so accurate. There are many invisible millionaires in every country in the world, but in any case, deposits There are still very few people who can reach 2 million.

The following data comes from the 2018 domestic and foreign currency credit receipts and expenditures statement of depository financial institutions published by the People's Bank of China.

1. What is the total amount of residents’ deposits in 2018?

At the end of 2018, the amount of current deposits of residents was 27,149.998 billion yuan, time deposits were 45,293.850 billion yuan, and the total deposits of residents were 72,443.848 billion yuan. In January 2018, residents’ deposits were 66,074.738 billion yuan, which increased to 7,24438.48 yuan in December 2018. , an increase of 6.36911 billion yuan at the end of the year compared with the beginning of the year, an increase of 9.6%, which shows that our country is a saving country and everyone loves to save money.

2. How many families have 2 million bank deposits?

According to the total deposits of residents at the end of December 2018, which were 72,443.848 billion yuan, and the per capita deposits were 55,726.03 yuan, are everyone lagging behind? There are at most 72,443.848 billion/2 million = 36,221,924 families with a deposit of 2 million (a maximum of 36.22 million) families.

Attached is the total resident deposits in each month of 2018

I have 3 million idle funds, but I feel like I am not rich yet? I don’t know why, maybe it’s because I was too poor when I was a child and my sense of crisis was too strong!

China’s population is 1.383 billion, as we know from online data.

The rate of deposits exceeding RMB 500,000 in our country is 0.3%, which is equivalent to 4.158 million people in a population of 1.383 billion!

So, if calculated based on a family of three, only 0.01%, or 1.383 million people, have deposits of more than 1 million.

If it reaches 2 million, it may be less than half of this number!

The reasons for this are also very simple:

1. Most of the current household asset allocations are not placed too much in deposits, but more in real estate. . Therefore, whether a family is wealthy depends not on its savings, but on its real estate.

2. Nowadays, people with savings are mainly concentrated in the hands of two types of people, one is the elderly and the other is the rich. For most young people, their savings are very small, and most of them are used for financial management;

3. Most young people are moonlighting, and they are burdened with heavy debts. quota, and high credit debt problems, so there will not be too many deposits;

In summary!

Are there many families with a deposit of 2 million yuan? In fact, there are really not many. Those who can maintain a deposit of 2 million in the bank for a long time under such circumstances are basically rich people.

A wealthy person who has many other asset allocations should put 2 million in the bank and accept the losses caused by depreciation.

Because they don’t care, they are making a diversified layout investment.

I just opened my bank account to check the balance. The balance is: 4847.62 yuan. Hahahahahahaha. Is there anyone with a lower balance than me?

Definitely not much.

What if the total family assets are more than 2 million?

That’s really a lot.

However, you said that there are not many families with a deposit of 2 million.

Lao Liang once said in a program that the deposit insurance limit of 500,000 covers more than 99% of depositors. In other words, those with deposits of more than 500,000, Less than 1%.

I once saw a data on Zhihu:

If your wealth exceeds 1.606 million yuan, it exceeds 95% of those in mainland China who are over 20 years old. urban population.

This data is from 2015, but the wealth here includes not only deposits, but also less than 2 million. In addition, this sample is an urban population.

It is conceivable that if the sample is expanded to a nationwide scale and wealth (assets) is turned into deposits, the limit is increased to 2 million.

You can definitely surpass 99.9% of families.

Do you think there are many families with a deposit of 2 million?

To be clear, there are very few. Less than 5% of households across the country have deposits of more than 2 million, or even less than 3%, or maybe only 1%.

Two sets of data can be seen. For a large securities firm with tens of millions of users, there were only 50,000 stock accounts with assets of more than 2 million in 2018, a proportion of only 0.5%, less than 1%. Of course, if you complain about the poor performance of large A-shares this year, it is indeed the case.

Another set of data shows that the national bank deposits will reach 100 trillion yuan in 2018. There are 1.35 billion people in China, which means that the per capita deposit is only 75,000 yuan. Calculated based on three people in a family, the household deposit is 225,000 yuan. Yuan, just over 10% of 2 million Yuan, and indeed there is still a huge gap between it and 2 million Yuan.

Therefore, there are still very few families in China with savings of 2 million yuan.

There are many households with a bank debt of 2 million yuan, but there are very few households with 2 million yuan in bank deposits. It is estimated that there are 4.88 million households nationwide.

There are hundreds of millions of families in the country, but among these hundreds of millions of families, the proportion of families with bank deposits of more than 2 million yuan is very low. Two data are used to demonstrate this below.

2019 Hurun Wealth Report Data

According to data from the Hurun Wealth List, there are 33.2 million middle-class households in the mainland, including "rich households" with household assets of 6 million. "The number has reached 4.88 million households, including 3.87 million households in the mainland. In addition to the mainland, there are 1.01 million households with household assets reaching 6 million.

We can infer the bank deposits of these wealthy families from this data. Among the more than 6 million wealthy families, 2 million can reach a quarter of the total, which is very high. About 150 Thousands of households.

Data on Deposit Insurance Regulations

On May 1, 2015, the country officially implemented the protection of the "Deposit Insurance Regulations". Major banks will have deposit insurance funds and banks behind them** *Same as protecting depositors’ deposits.

According to the protection data of the "Deposit Insurance Regulations"

, 99.63% of people in China have bank deposits of less than 500,000 yuan, and only 0.37% have bank deposits of more than 500,000 yuan. %. According to this ratio, based on the 1.4 billion people in the country, there are only 5.18 million people with deposits of more than 500,000.

So among these 5.18 million people, I think the proportion of people with deposits of more than 2 million yuan is at most 20%, which is estimated to be about 1.036 million people, and the remaining 80% have bank deposits of less than 2 million yuan.

Although everyone’s income has increased with the economic growth in recent years, living expenses and life pressure have also increased. No matter how you calculate it, very few households across the country have actually saved 2 million yuan.

In addition to the above two arguments, there are very few households with savings now, let alone 2 million yuan. It is overestimated to reach 4.88 million households nationwide. There are several main reasons: :

(1) Most domestic households are in debt, and the proportion of real households without debt is relatively low. Even if households without debt really want to take out 2 million bank deposits, there are very few.

(2) Many household assets across the country are mainly real estate. Among the asset ratios, bank deposits are very small. As long as they have money, they will buy some fixed assets. Unless families have a lot of cash, they will buy some fixed assets. If you are rich, you will not be able to save money at all.

(3) With the rapid development of the economy, the life pressure of every family is very high. Facing the era of "it is difficult to make money and even harder to save money", there are many people with debts and very few with savings. few. Especially young people nowadays have developed the habit of excessive consumption. They all consume in advance. They have no savings at all, only liabilities.

As of May 2020, these three major factors will cause many domestic families to not allocate too many bank deposits.

Summary analysis

Based on the domestic family situation, it is estimated that there are many families with more than 2 million yuan in household debt or more than 2 million yuan in household assets, but there are only very few families with bank deposits of 2 million yuan. Very very few.

Due to the complex environment currently facing in 2020, it is very normal and not worthy of doubt that households with bank deposits of 2 million do not exceed 4.88 million.

My answer is the most professional

First, not much. rare.

Second, according to the 28/20 principle, 20% of people have 80% of their deposits, which is 1.3 billion people with a total deposit of 60 trillion yuan, and the top 20% have 250 million yuan. People have 48 trillion yuan in savings, with an average of 200,000 yuan in savings per capita. That is, the top 20% of people have 200,000 yuan in savings per capita. If we apply the 28/20 principle again, 50 million people have deposits of 38 trillion yuan, with an average of 760,000 yuan per capita, and a family of three, which would be 2.3 million yuan. So only 50 million people. There are about 20 million households with savings of 2 million.