In this data, Hangzhou ranks first with per capita deposit of 1 1.9 million, and the data of other developed cities such as Guangzhou and Shenzhen are also good.
These cities have a high level of per capita deposits, which is understandable. Because these places have developed economies and high per capita income, per capita deposits are naturally high.
However, among the sub-provincial cities of 15, one city performed brilliantly and became a dark horse.
Who is this city? Yes, it is Shenyang. Are you surprised? To tell you the truth, I'm surprised.
So, what caused how to become a dark horse?
Shenyang can become a dark horse for two reasons.
First of all, the urbanization rate of Shenyang is relatively high. Relevant data show that the urbanization rate of Shenyang has reached 84.52%, and the urban population is as high as 77.95%.
Moreover, there are many state-owned enterprises in Shenyang, and most of the population in these urban areas have a stable source of income, and the income level is not low. The population of Shenyang is still relatively small. In this way, the denominator is small, and the per capita deposit level will naturally go up.
Secondly, the degree of aging in Northeast China is serious. There are many retired people, and this is also the case in Shenyang.
The pensions of these retirees are often not low, and the overall consumption level in Northeast China is not high. For safety reasons, these elderly people do not invest in high-risk products easily, and most of them still keep their money in the bank, so it is not surprising that Shenyang has a high level of per capita deposits.
The provincial cities in China are those municipalities directly under the Central Government, namely, Beijing, Shanghai, Tianjin and Chongqing. Urban household deposits have been arranged before. Beijing ranks first with nearly 200,000 deposits per capita, and Shanghai ranks second with nearly 1.5 million deposits per capita. But Tianjin and Chongqing didn't rank third or fourth. Instead, it is a sub-provincial city, ranking first.
Among the sub-provincial cities, Hangzhou ranks first with per capita120,000 yuan, Shenyang ranks second with per capita1140,000 yuan, Shenzhen ranks third, Guangzhou ranks fourth, and Dalian ranks fifth, also reaching per capita deposit 10.5 million yuan. In fact, everyone is puzzled, not that the economic situation in Northeast China is not good recently, why can Shenyang and Dalian still rank in the forefront? Is the Northeast still rich? I still have money?
This is indeed a very interesting phenomenon. In fact, in this ranking table, only the index of deposits is compared, which does not explain where people are richer. To some extent, it may indicate that people in that place have a conservative concept of financial management. For example, if a Shenzhen citizen owns 654.38+0 million stock assets and 654.38+000 square meters of shops and houses in Shenzhen, and the same Shenyang citizen has no stock assets and no shops, but has 654.38+000 square meters of houses in Shenyang, who can we say is richer? Who has more net assets?
We roughly speculate that it is reasonable for Shenyang to rank second in the per capita deposit city, so the possible reasons for its existence are as follows:
1. Shenyang's population is aging seriously, while the elderly are relatively conservative in financial management and prefer to deposit in the bank. In the past, Shenyang was the industrial base of our country, and those workers in those days have now become workers, with pension and medical insurance protection. Therefore, most of the property of the elderly is deposits. At the same time, the population in Northeast China is flowing out, the proportion of the elderly population is getting higher and higher, and the total population is declining, so the per capita deposit is relatively high.
2. There are not many reliable financial channels in Northeast China. People don't dare to invest and manage money easily, but prefer to save their money in the bank. In areas with relatively developed economic activities, there are actually more channels for investment and financial management, and people are willing to invest and financial management activities.
3. The level of affluence in Northeast China is relatively low. Previous studies have shown that the lower the income, the higher the savings rate, because he needs to squeeze all his spare money to meet the risks and expenses he may encounter in the future. Families with higher incomes will have a lower savings rate, and when they encounter future risks, they can have various financing abilities, including the ability to borrow.
The gap between urban affluence in China is really getting bigger and bigger now. For young people, if they really want to leave their hometown and go abroad for development, they can think about where they should go according to this table.
Shenyang ranks second in urban household deposits. One of the main reasons is the negative population growth and serious population aging in Shenyang. Due to the cold climate, economic depression and other reasons, the younger generation, after graduating from college, basically choose to stay in the field, and the population flows to the economically rich areas of Jiangsu and Zhejiang.
The people who stay in the city are basically elderly people, so it is difficult to leave their homeland. Most of these old people are retired workers, and the country's pension policy is good. The pensions of retirees have increased year after year, and the pensions of these elderly people are not low.
Because the old people do not have a strong concept of investment and financial management and their ability to resist market risks is limited, few people buy bank financial products, and most people choose bank savings deposits. This is the main reason for the relatively high per capita deposit.
Analyzing the second reason, Shenyang, as a heavy industrial city, is densely populated with large and medium-sized enterprises, with relatively high wages and relatively stable jobs. Compared with southerners, northerners have a weak sense of investment and financial management. First of all, they keep time deposits in the bank, which is considered safer. Southerners' investment and financial management are diversified, such as buying financial management, buying stocks, running enterprises through business and so on. This is also the reason for the high deposit in Shenyang.
The third reason is that the price of commercial housing is not high, and the pressure of buying a house is not great, which is also a reason for residents' deposits.
Deposits are mostly due to insecurity and lack of investment channels.
There are many elderly people, but there are few pensions. Most of them only cost more than 2,000 yuan. Save money if you are frugal, or there is nothing you can do if something serious happens. If you have a large pension, you will have a lot of income after spending this month and next month, so you don't need to save money.