Is there a lot of families that can take out 400,000 at a time now?

Very few families are able to come up with 400,000 at once.

I think that in today's situation, very few families can have a lot of machines, because most of the people who have savings have gone to buy houses.

I think for most people, their salaries are only a few thousand dollars. Although there are tens of thousands of people, the proportion is still relatively small.

Ordinary wage earners are only paid enough for normal household expenses, and it is difficult for them to save money。And it is even more difficult for them to take out 400,000 at one time.

For example, front-line workers working in factories earn about five or six thousand yuan a month, and if two people work together, they only earn more than 10,000 yuan a month. The more than 10,000 yuan has to support the elderly, raise children, and maintain basic living expenses. It's hard to save money for this month's salary.

Nowadays, housing prices are very high, and we have no need to buy a house, because the house is linked to the children's learning, and it is also linked to other aspects of Qibi. If you don't buy a house, you have to live a rented life, and your quality of life will be reduced. Not only that, but it can also affect your child's learning.

So most of the people who have a little savings in their hands have also gone to buy houses.

Today's housing prices are so high that most families have only enough savings for a down payment on a houseSo when they bought a house, they didn't have any savings at all.

I think in today's situation, many people are burdened with mortgages. Car loans. They have very little savings, and it is even more difficult for them to come up with 400,000 at once.

They are in debt, and they have no extra money on them. Therefore, there are relatively few families who can take out 400,000 at one time.

20% of families can take out 400,000 yuan at one time, and 400,000 yuan is very stressful for a family, and ordinary families can't take it out at all.

Maybe 80% of the families are attacking the shed at one time, and there is no way to take out 400,000 hands of Zen Spring. Because they simply don't have that much money, and the rich families are also used to invest.

There are about 1 5 families who can take out the sails and open their eyes, because many people's earning power is relatively strong now, and they make more money.

I can't take it out! Because I don't know what kind of people you are!

About 40% of the people in such a family are okay, and there are many millionaires in this society, but most of the people in He Qi's stalls do not have the means to bear such a value.

There is not much, although the people who are staring at Xinwan in Tanye are bored with a lot of money every year, but they also spend a lot of money, they don't have much money saved, and they can't take out so much at once.

I think such families are in 20% of the population, which is not very many, and these people are basically in first-tier cities.

Most families in China are unable to take out a one-time deposit of 400,000 yuan, the fundamental reason is that the overall income level is relatively low, and there is no high income, so that there is not so much savings of 400,000 yuan.

Many people may say that the deposit of 400,000 yuan does not seem to be much, which is only because his own conditions are acceptable, for 400,000 yuan, it is indeed a small amount, but as most of the families in our country now, it is still a very frequent family, especially the families close to the countryside, the annual income may only be tens of thousands of yuan, and even can only maintain a state of food and clothing, and it is very difficult to have a deposit.

The monthly income of 10,000 yuan for young people working outside is already a very high salary, and the salary of more than 10,000 yuan per month is a high salary in the eyes of many people, but we can calculate that the salary of 10,000 yuan a month is only 120,000 yuan a month, after running away all the expenses, what can be left every month is only a few thousand yuan, and the money that can be saved in a year is only tens of thousands of yuan, and it takes many years of accumulation to have a deposit of 400,000 yuan. In 2001, 10,000 households were still highly respected, but only more than ten years have passed, and 400,000 is still an astronomical number for many families.

What's more, the money is getting less and less than ten days, the salary is not **, and the consumption is getting higher and higher, which also makes everyone's income not increase at the same time, the cost of living has become higher. As a result, the whole family has no way to afford high consumption, and even does not have any savings, coupled with the current family structure, Ji Hongsui is originally a parent with a nuclear child. If it is an older parent with an adult child, then in all the money earned in the early stage, the proportion of the child's education** will reach a considerable proportion.

If it is a young child, a couple with a young child, it means that they have not worked for too long, and the problem of time also makes them have no way to change their income and savings.

Because a lot of people don't save money, and people don't have the idea to make money, people are spending as much as they want.

There will be a lot of expenses in life, and I will buy some things that I must use in my life, so it is not easy for Feng Chan to be able to save a deposit of 400,000 yuan, and the average salary will only be between 5,000 yuan and 8,000 yuan for silver chain dust.

Because most of the people are just ordinary families, this situation will occur.

The Chinese have become rich and are close to the income level of moderately developed countries. There is also a lot of news that one out of every 10,000 people in China is a billionaire, and even everyone is a millionaire.

Judging from the data, the Chinese population has reached 1.4 billion, about 100 million families, and there must be many families who take out 20,000 or 30,000 at one time.

In fact, the majority of households in our country do not have extra savings. Because a report by the central bank shows that 50% of households in China have no savings, and 80% of households have to repay their mortgages, and if you ask them to take out 20,000 or 30,000 yuan at a time, it will be difficult to get it right.

And the number of households that can take out 400,000 at a time is even smaller, at best between 4 million and 4.5 million families, accounting for a little more than 1% of the total number of households. Moreover, the families in China who can take out 400,000 at one time are mainly the elderly, and it is good for real young people to take out 20,000 or 30,000 at one time. However, some elderly friends reported that although he has 400,000 yuan in bank deposits, it has not yet matured, and he really wants to take out 400,000 yuan in a few days in the short term, unless he loses interest, he will not be able to take out 400,000 yuan.

Some people may ask, why can the elderly family take out 400,000 yuan at one time, while the young people who are in the prime of life and have the peak of their earning power can't save money? There are three main reasons for this: First, young people have to buy a house and a car if they have money, and even if they have a monthly salary of more than 10,000 yuan, they can't save much money.

Today's young people have to buy a car if they have hundreds of thousands, and they have to buy a house if they save hundreds of thousands. Therefore, most families have to repay the mortgage after buying a house and a car, and it would be good if they could come up with tens of thousands of yuan at a time.

In addition, there are some young people who have invested in their own businesses, and as long as they have money, they will invest in their own careers. Many netizens in entrepreneurship reflect that some people continue to invest money to open chain stores as soon as they have money, and some people like to engage in equity investment, although they are worth more than one million or even tens of millions, but it is also very difficult to really take out 400,000 yuan at one time. The money is invested, and it can't be recovered for a while.

Finally, the philosophy of the younger generation is very different from that of the older generation. Although young people have a relatively high monthly income, it is not uncommon to have 20,000 or 30,000 yuan in their hands in Yue Bao, and it is almost impossible to take out 400,000 yuan at one time, because they are greedy for enjoyment, like overdraft consumption (especially online shopping), and like to use tomorrow's money today. Therefore, most young people have no savings, no savings, and it is normal for them to not be able to take out 400,000.

Although people's wages have increased in recent years, it is still the elderly in big cities who can take out 400,000 yuan at one time, and the proportion of this group of people is relatively high. Although young people are in the prime of life, as long as they have a little money, they have to buy a house and a car, they have to start a business and invest, and they have to constantly consume. As a result, most young families in China do not have much savings.

From the above analysis, it is concluded that there are an estimated 3.5 million Chinese households that can take out 20,000 or 30,000 at a time, and 400,000 families at one time, mainly distributed in large cities, these families account for 1% of the number of Chinese households.

There should be many families who take out 40,000 yuan at one time, but if they take out 400,000 yuan at one time, it is simply a phoenix.

Deposit data in our country.

According to the balance of domestic and foreign currency deposits of financial institutions released by the People's Bank of China, by the end of 2018, the total amount of deposits of households in China was trillions of yuan.

According to the news released by Ning Jizhe, director of the National Bureau of Statistics, at a press conference on January 21, 2019, as of the end of 2018, the total population of Chinese mainland (excluding Hong Kong, Macao Special Administrative Regions and Taiwan Province and the number of overseas Chinese) was 139538 million. The per capita deposit amount in China is:

For a family of three, the average household deposit is: 10,000 yuan.

This amount seems to be pretty good, but don't forget, what I'm most afraid of is being averaged, if Ma Yun and I are averaged, there are still hundreds of billions of assets. According to the traditional law of 28, 20% of people hold 80% of the wealth, which in turn means that 80% of ordinary people only hold 20% of the wealth of today's society, according to this ratio, then the 80% of ordinary people, per capita savings are only: (trillion yuan * 20%) (100 million * 80%) million yuan, taking a family of three as an example, the per capita family savings are only:

10,000 yuan is less than one-tenth of what you call 400,000 yuan.

$500,000 payout.

In 2015, before the introduction of the "Deposit Insurance Regulations" in China, the central bank had a thorough investigation of all bank accounts in the country, and the conclusion was that 500,000 yuan could cover the balance of bank accounts across the country, which is why we set the bank bankruptcy compensation at 500,000 yuan. According to this data, there are only accounts with more than 500,000 yuan, and although 400,000 yuan is a little lower than 500,000 yuan, it is estimated that it will not exceed 1% of people.

Monetary Policy Report.

According to the "China Monetary Policy Implementation Report for the Fourth Quarter of 2018" released by the central bank, as of the end of 2018, financial institutions issued a total of 39,961 large-amount certificates of deposit, with a total issuance of trillion yuan, an increase of one trillion yuan year-on-year, and the minimum deposit point of large-amount certificates of deposit is 200,000 yuan, and there are 300,000 yuan, 500,000 yuan, 800,000 yuan, 1 million yuan, 2 million yuan, 5 million yuan, 10 million yuan, etc., we take the lowest 200,000 yuan, then trillion 200,000 yuan = 46.15 million, That is to say, the most people in the country who have more than 200,000 yuan are 40 or 50 million people, compared with the population of 1.4 billion, the proportion is only about about 200,000 yuan, and the 200,000 yuan is only half of 400,000 yuan.

Summarizing all the official data released above, the current family in China that can take out 400,000 yuan at one time is really a phoenix, in fact, let alone a one-time one, some families may not be able to come up with 400,000 yuan even if they smash the pot and sell iron, so 400,000 yuan is still a huge amount of money for most families in terms of the current situation.

There are not many families who can take out 400,000 cash at one time, because most of the rich people are now engaged in investment and financial management, so there are not many funds that can actually be used, and most people actually owe a lot of foreign debts.

Now there are quite a lot, because the living standards of the people in my country are getting higher and higher, so there are quite a lot of people who can come up with 400,000.

Not much. Because many families now have a very large burden, and they have to provide for their children to go to school, which is also a big expense, and their salary level is not particularly high, so they can't come up with so much cash.

There are no 4 yuan, and I am in debt.