China's banks are now limited liability companies, so based on the bank's equity characteristics, all financial institutions are there are preferential closing of the likely, so China's Banking Supervisory Commission of personal deposits have a requirement, financial institutions Savings deposits shall not exceed 500,000, the bank in the closure of the preferential price of not enough to pay back the savings deposits, China's full make up for the good. Big data statistics research, 500,000 savings within the people close to 99%, in other words, the depositors do not 1% more than 500,000. Obviously, the state is to protect 95% of the depositors savings will not be a little damage.

In our country, savings beyond 500,000 is a difficult thing. According to bank data reported that in 2018, China's savings beyond 500,000 not 6 million, accounting for 0.4% of the total population, 2020 savings beyond 500,000 total population will rise slightly, but the number will not exceed 10 million. This proportion for the total population of 1.4 billion 1% not on, the family to one person savings people, three families, not on about 3% of the family. Full consideration in our country also has a lot of families have other assets that are favorable to liquidity, such as individual stocks, debt rolls, and these, and have four hundred thousand assets of the family may also have a lot.

And have this kind of assets, if more conducive to the transfer of cash, as long as it is necessary for your family, that is also able to take out 400,000 yuan at once. According to the Central People's Bank announced: by the end of 2020, the domestic per capita deposit account balance of 93.44 trillion yuan, according to the 430 million times across the country to measure the balance of deposits in each family is about 21 million. If you remove the savings of the upper and lower 10 percent of high-income families, out of the 430 million households across the country, there may be no more than 25 percent of families that can have 400,000 in savings.

In urban areas, more than 900 million families, more than 900 million families, how many of them need to repay loans, car loans, children's school expenses, can take out a one-time 400,000 cash not many, right. Especially young people at home, honoring excessive consumption, many of which are swiped, debt-ridden. According to the Central Bank in 2015 inventory mapping, in our country household deposits exceeded 500,000 yuan occupancy rate of 0.37%, savings are not enough 500,000 residents occupancy rate of 99.63%.