1. How much money is per capita in China

Currency m2 divided by population

2. How much is the average loan per capita in China?

China’s per capita deposits and per capita loans

The per capita wealth is US$45,750, which is about 320,000 yuan at the current exchange rate. Some of them are real estate, and some are funds, stocks, deposits, etc. According to information released by the National Bureau of Statistics, as of the end of 2018, China's RMB deposit balance had reached 182.5 trillion yuan. If divided equally among the 1.395 billion population, the per capita balance would be 130,800 yuan. Of course, this algorithm is not accurate and can only be calculated as "per capita in a broad sense." This is because a large number of the deposit balances of up to 1.825 million yuan are deposits of enterprises, institutions or other organizations, and are not entirely deposits of residents (common people). Among them, the deposit balance that truly belongs to residents (household deposits) is 74.44 trillion yuan, which is about 51,900 yuan per capita.

This means that if your family has three people, your deposit amount reaches RMB 156,000, which is the national average. In other words, if your family is four people, then the amount of deposits is about RMB 208,000, which is the average level.

In addition to deposits, there are also loans! This is very common in China today. On the one hand, there are some deposits in the bank, and on the other hand, the bank still owes money for housing loans and car loans. Data shows that as of the end of 2018, the balance of household loans (resident loans) in local and foreign currencies was 47.9 Trillion yuan.

Similarly based on a population of 1.395 billion, the per capita loans of residents are 34,300 yuan—about 66% of the per capita deposits. The result is that the per capita wealth of Chinese people is about 320,000 yuan, the per capita deposit is about 51,900 yuan, the per capita loan is about 34,300 yuan, and the net deposit is about 17,600 yuan.

3. The per capita personal consumption loan balance is 35,100. What does this data indicate?

It shows that today’s consumers are very caught in the trap of consumerism and are saddled with debt, which is actually detrimental to their future lives because the risks are very high.

4. According to the "Automobile Loan Management Measures", Hong Kong, Macao and Taiwan residents and foreigners who have lived in China for () years or more continuously can apply for personal car loans.

B

Answer Analysis This question examines the development history of personal auto loans. The "Automobile Loan Management Measures" subdivide borrowers into individuals, car dealers and institutional borrowers. Residents of Hong Kong, Macao and Taiwan and foreigners who have continuously resided in China for one year or more can apply for personal car loans. See textbook P167.