In this society nowadays, is it really easy to earn a million dollars? In the countryside, building a small three-story house may require hundreds of thousands of dollars in expenses; in the big city to buy a house, not to mention, light is millions, heavy is tens of millions of dollars, I think a lot of people think that earn a million easy. But in so many banks in our country, deposits reach a million people a lot? In fact, this is not the case, the result is unexpected by all.
Relevant data show that in 2019 there are nearly 20 million people in the world's families with assets of more than one million (U.S. dollars), and 1.7 million of these people are from China, which is about 0.11% of the total population of our country, which seems to be very little, but according to the exchange rate of the U.S. dollar, the figure of this asset is more than 6 million dollars, and the actual assets of more than one million people will be even more.
But assets don't mean deposits, and as for how many people have more than a million dollars in bank deposits, surely the banks know best internally. While banks don't disclose this information to the outside world, they can still use big data to analyze how many people have deposits in their banks.
We all know that banks basically classify depositors according to how much they have deposited. Like several major banks in China, the general deposit of more than 200,000, you can apply for a gold card, but there are also individual banks need to deposit more than 500,000 yuan. And deposits of more than 1 million can only handle the diamond card.
Some bank employees revealed that, in fact, whether it is a gold card or diamond card depositors and not many, and the long term change is not big, deposits of more than a million people is even fewer and farther between.
The bank's "Deposit Insurance Regulations" have made it clear that if the bank goes bankrupt, the maximum payout to depositors will not exceed 500,000 yuan, because 500,000 yuan already covers more than 99.63% of depositors. Although this regulation was implemented 5 years ago, but the changes in the past few years will basically not be too big, so it also represents less than 1% of the bank deposits more than 500,000 people, that is, not to mention more than 1 million deposits of users, even less.
I think a lot of people can not believe this data, around the side of the monthly income of tens of thousands of people are not a few, bank deposits over 1 million should be very easy, this data is really reliable? Is it so difficult to have a bank deposit of more than 1 million?
From the data released by the National Bureau of Statistics, in the first three quarters of 2020, the national residents per capita disposable income reached 23,781 yuan, disposable income is used for consumer spending and deposits together with the sum. Last year's value of 30,733 yuan, through the three quarters can be estimated, this year, about 31,000 yuan, according to this standard, the average personal deposit to reach 1 million, do not eat or drink also need 30 years.
If you do not count according to disposable income, to analyze the wage level in our country, want to deposit to reach 1 million yuan is also very difficult. Data show that in the middle of 2019, the average salary of employees in state-owned units in China was about 90,000 yuan, and private enterprises was about 53,000 yuan. Taking the salary of state-owned enterprises as the basis, want to deposit to reach 1 million yuan, usually without expenses, it will take at least 10 years.
Through the data can be seen, the deposit to 1 million dollars is not an easy thing. Especially in today's society, and to support their parents, and take care of children, the family may also have a series of expenses such as car loans, a month to the end of the hand and the balance is considered good, not to mention the bank to save money.
Finally, in our country's deposits reached a million "high-paying class" of people, adding up to no more than 1%. Some people may say that their car, house, assets together more than a million certainly no problem, but the deposit and assets are not the same, can not be compared. What do you think is the level of deposits of more than one million dollars? Do you have friends around you who are "millionaires"?