According to statistics, at present, by the end of 20021,the balance of Chinese residents' deposits was as high as 102.5 trillion yuan, while almost per capita deposits were 7.27 trillion yuan. Seeing this data, it is estimated that many people will say that it has dragged down the country.
The data shows that the per capita disposable income of Chinese residents reached 35 128 yuan last year, an increase of 8. 1% over the previous year, indicating that the living standards of ordinary people are getting better and better. After all, ordinary people have more and more money. However, behind this data, another data is soaring, that is, the debts of China residents are getting higher and higher. Now the total debt of residents has exceeded 200 trillion. Calculated, the average debt per person is 6.5438+0.42 million yuan, which is equivalent to twice the deposit. According to the data released by the central bank last year, 7.67 trillion yuan of loans increased, of which 2.56 trillion yuan was ordinary residents' loans.
Therefore, don't think that China is a big savings country, but it is also a big debt country, and the total debt is twice the total deposit. Moreover, from the household debt in 2008 to the end of 20 19, China's total debt has increased nine times in ten years, reaching 50 trillion, and the leverage ratio has also increased from 43.2% to 130%, which is basically insolvent. However, the leverage ratio in the United States is only 50%, so if you look at this data, you will know that many families are basically living in debt now, so why has the leverage ratio in China increased so rapidly in recent years?
The main reason for the increase in household debt ratio is housing prices. In the past 20 years, the house price in China has increased at least five times, but the income has not increased much. In first-tier cities, prices have risen tenfold or even dozens of times. Many people can't afford to buy a house after working all their lives, so they can only borrow money to buy a house for their livelihood. This has also led to the high debt of many families, which are basically burdened with hundreds of thousands or even millions of mortgages, which is also the reason for the rapid increase of family debt.
Nowadays, many families seem to be doing well. They live in small houses and drive cars, but in fact, they are reducing their daily expenses every day. After all, mortgage and car loan are a big mountain on these people. Some experts say that excessive housing prices will cause more problems and even affect the next generation.
So what are the problems?
First of all, for China people, buying a house is a lifelong dream. If you want to get married, you have to have a home, and if you have a home, you have to buy a house. What if I have no money? Can only borrow money to buy a house! Because the income is not high, there is no way to buy a house in full, only loans, so now many post-80 s, post-90 s and even post-00 s are burdened with hundreds of thousands or even millions of mortgage lives.
However, after buying a house and a car, the pressure will be great. Some people are old and young, and there are debts. They are afraid of getting sick and quitting their jobs, and their lives are under great pressure. Now young people and middle-aged people in our country bear more debts, but why do young people also have more debts?
Because, the emergence of early consumption has made many young people take risks, and they will spend money tomorrow and the day after tomorrow or even the year after, so their lives are good, but their debts are high, and there are even mortgage loans, car loans, consumer loans, and living expenses. Some people are pushed to the wall. After all, they don't have that much money to pay their debts.
Then in the past two years, under the influence of the epidemic, many people lost their jobs, were laid off and had no money. As a result, their houses are in short supply, and as a result, there are more and more auction houses. In 20 17, there were only more than 9,000 auction houses in China at that time, and now there are as many as 6.5438+0.74 million auction houses. You can see how many families went bankrupt because of debt. Some houses were bought at high prices, but now they have plummeted, such as Yanjiao. At that time, a house was 4 to 5 million at the peak, but now the house can only be sold to 1 or 2 million, and many houses can only be stopped.
Moreover, there is a surplus of houses in our country at present. When the vacancy rate exceeds 22%, many places in our country are still building houses, and today they are basically commercial houses. According to a family of three and one suite, there are many redundant vacant houses, exceeding 85 million sets, which is also one of the problems today.
Besides, the cost of getting married is too high now. Many people have no money, no car and no house, and they dare not get married at all. Their willingness to have children is getting lower and lower. How many families can have children even if the second and third children are opened? Rarely, after all, the cost of raising a baby is very high, which is also the reason why the marriage rate is low in disguise.
Therefore, if these problems are not solved, the problems will become more prominent in the future.