Source: New Weekly
Author: Cao Jili
Have you carefully calculated your total assets of your home?
Last month, a report from the People's Bank of China calculated the account for urban residents.On April 24th, on Friday, a report entitled by the survey entitled by the household assets and liabilities entitled in 2019, which appeared on the WeChat public account of China Financial Magazine, and then caused heated discussions.
After all, the geometry of family assets is a topic that is too easy to attract attention. All aspects of our lives can almost connect with this number.
The average total assets of urban residents' family households were 3.179 million yuan in net assets of 2.89 million yuan. The shareholding rate of household housing in urban residents reached 96.0%. The words of several key data were lined up, which attracted many netizens to shout: it was dragged back.
Indeed, this result is far from the daily perception of many people. For example, just four days later, another report on the development of the Internet in China on April 28, it seemed to be another kind of social scene.
This report shows that as of March of this year, the number of Chinese netizens exceeded 900 million, of which 70 % of them were 650 million people's monthly income below 5,000 yuan, and less than one -fifth of their academic qualifications in colleges and above.
If there are more than 600 million netizens, there is just a pair of urban youths formed a family. According to the monthly income of 5,000 yuan per person, how long does it take for their family assets to reach the average?
Except for children and older people who do not have access to the Internet, today, when the 5G era is about to come, the remaining hundreds of millions of people are excluded from netizens. What is insulated from the Internet?
How about the status of rural residents who have not been included in the statistics this time?
These questions, two reports do not give us a clear answer.The report that was originally released in China Finance was deleted a few days ago.
First of all, we summarize the main conclusions of the survey of household asset -liability surveys in urban residents in China in 2019:
Among the total assets of more than 3 million households in urban residents, the house occupies an absolute position. The proportion of housing in physical assets is close to 70 %, and financial assets account for only one fifth of the total assets;
The debt participation rate reached 56.5%, and the liabilities were mainly from bank loans, of which housing loans accounted for three -quarters of total household assets; asset differentiation, the net assets of the first 1%of households accounted for 17.1%of the net assets of all families.
Finally, the report also raises some issues that need to be paid attention to, including the high home financial asset liabilities ratio of urban residents, the high pressure on the liabilities of middle -aged and middle -aged groups, the risk of financial products in the elderly group, the debt risks of domestic -demand mortgage families, etc.wait.
Some netizens said that at the end, these problems were more in line with the daily feelings of urban people.
In the entire report, the special attention is the differentiation of wealth between families.According to statistics, the proportion of assets accounted for only 2.6%of all sample families with the lowest total assets, and for the top 20%of families with the highest assets, this proportion number exceeded 60%.The top 10%of the richest people occupy nearly half of total assets.
In addition to families and families, wealth between regions has also seen significant differentiation.
The average total assets of the eastern region is 4.61 million yuan, which is higher than the central, western and northeast regions.Specifically, Beijing, Shanghai, and Jiangsu, with the highest total assets of households, reached 8.928 million yuan, 8.064 million yuan, and 50.69 million yuan, respectively.14.15 million yuan and 1.275 million yuan.
But having said that, considering the proportion of housing assets accounted for nearly 60 % of the total household assets, although the average urban assets were nearly 3 million yuan compared to the eastern region in the Northeast, in realityThe gap may not be so different from MDASH; mdash; To put it bluntly, everyone's assets are concentrated on the house, and the assets are opened, mainly because house prices are opened.
This is also reflected in liability statistics.
In the Northeast region where house prices are more calm, people are relatively calm in the use of leverage.The report shows that among all investigated families, the number of family liabilities in Northeast China is the lowest at 42.1%.
Of course, regardless of whether the numbers in the report and personal perception are consistent, ordinary people should maintain their normal mind as much as possible.According to the famous 150 law proposed by anthropologist Dengba in the 1990s, a stable social circle that a person can maintain is roughly 150 people.
In other words, the crowds we are in society are always limited. If the statistics are not enough to describe all the life, the body feel is even more impossible.
It seems that most of the topics in the report have triggered discussion, and they have a silk connection with the house mdash; mdash;
Urban households account for 60 % of total assets, which are twice that of American residents' families, and this corresponds to higher household assets with higher housing prices. Of course, the debt participation rate is also higher.There is no asset, so in the asset differentiation, the differentiation of house prices must play an important role.
In the past two decades, after the rise in house prices has become a general experience, there are no families who have not bought a house early. It is difficult to catch up with families who go to fast lanes on house prices.It's like riding a bicycle chasing a car, the result can only be farther and farther.
Let's make a comparison.
From last year to this year, Heilong Hegang, the price of cabbage, has been at the discussion center. The name of this Northeast city has even abstracted into a certain symbol, which represents the imagination of young people in large cities to stay away from the center, low house prices, and low desire life.Essence
According to CCTV news survey, many of the three or four hundred houses per square meter circulated on the Internet are relocated.In 2008, the local shed reform was launched, and nearly 100,000 households were transformed, and most of them chose to receive the relocation house.
As a result, many local families have a few houses at once. In the Northeast Coal City, which basically have no foreign population, local young people are still losing, renting the house or selling it is a difficult thing.Paying heating for heating from this generation is exempted from rental conditions for rent.
In contrast, the renovation of the shantytown has helped the housing prices in Hangzhou in popular cities.
In April 2015, Hangzhou issued guidance on vigorously promoting the monetization of housing security, and vigorously promoted the monetized shed reform.Overnight, the demolition of a group of wealth was built, and there were many demolition households who had more funds and houses in Hangcheng.
At the end of the year, the average house price in Hangzhou was still around 16,000 yuan per square meter. In the second year, this number became 22,000 yuan, which was close to 30,000 yuan in the third year.
In August last year, the construction of the Hangzhou Metro was leaked, causing the road to collapse and the walls of the two residential buildings cracking.After such a dangerous scene, there were many enviable voices on the Internet: residents of these buildings could be demolished.
It seems that the impression that the demolition brings to Hangzhou people is deeper than the cracking of the building.
According to the recent announcement of the 2019 National Economic and Social Development Statistics released by the State Statistics Bureau, Zhejiang has inflow of 841,000 people a year. As a comparison, as of the end of 2019, the natural growth rate of Heilongjiang's population is -1.01permil;218,000.
The population is a bonus, not a burden, and the great Chinese cities who understand this truth have joined the wars of grabbing people, and the fresh blood flowing into the city has provided a steady stream of demand for the just -needed house.According to public data, Hangzhou's total land sales revenue in 2019 reached 264.6 billion yuan, exceeding the second place in Shanghai, ranking first in the country for two consecutive years.After the epidemic, the Hangzhou and Shenzhen property market took the lead in warming upThe increase leads the whole country.
So, how can an ordinary Hangzhou family be more than an ordinary Hangzhou family in the foreseeable future?And how much efforts do you have to work in a foreign country to poured into a foreign country can you catch your assets to catch up with local families?
Of course, the ordinary indigenous people in large cities also have their own distress: if there are only one or two houses, even if the total assets rose to the sky, they cannot always sell their homes.
On April 17, the National Bureau of Statistics announced the first quarter of GDP, a year -on -year decrease of 6.8%.Under the influence of the epidemic, foreign trade is cold, and the effect of investment is difficult to reflect in the short term, and consumption has become an important driving force for the economy.
At the beginning of March, Nanjing's official account Nanjing issued a titles of more than 300 million yuan in consumer coupons!hair!It means that the consumer vouchers with a total amount of 318 million yuan will be issued to citizens and difficult groups. Hellip; hellip; promote the comprehensive recovery of the service industry.Soon after, the first batch of 50 million yuan of electronic consumption coupons was launched on time.
Under the guidance of Nanjing, more and more cities have taken out real gold and silver and joined the ranks of money. The formulation of consumer coupons and scope of applications are even more.
In late April, the Ministry of Commerce proposed to vigorously promote car consumption and expand e -commerce in rural coverage.
This cold in the car market has been lasting for a long time. The cold wind of the epidemic has made the car market that has not returned to vitality and sneezed again.Data show that in the first half of February, domestic passenger car sales fell 90 % compared with the same period last year.
And e -commerce entering the countryside is easy to remind people of home appliances ten years ago to go to the countryside and cars to go to the countryside.
In the final analysis, there are two words behind these strategies, spending money.However, if you want to make the people rest assured to spend money, it is inseparable from a big premise: people have money to spend.
Earlier, the analysis of related institutions showed that more than half of the country in the country lowered the expected performance during the epidemic and was ready to tighten the belt.In this case, it is difficult to evoke all the consumption enthusiasm.
In the past ten years, the high house prices have lowered the savings rate of Chinese residents.Countless families who have been saved for half a lifetime are likely to carry debt MDash; mdash; because they buy a house.
As shown in the central bank's report, when most household assets are concentrated on real estate that cannot be moved or realized, compared with millions of assets, the space that can be left for consumption is very narrow, not to mentionThere is also a lot of liabilities in the middle and middle -aged groups as the main consumer army.
The total assets of the family are high or low, just look at it, as stated in a report from the Economic Reference News: The most important point is to increase the disposable income of residents.
Under the epidemic, the Shenzhen property market is more like a special case.
There are rumors about the rise in housing prices in Shenzhen from time to time on the news page of the past three months. On April 22, Shenzhen official stated that the rumors of rising house prices did not match the facts. In the first quarter, new house prices rose 1.0 %, and second -hand housing rose 2.8 % of 2.8 %., House prices are generally stable and rising slightly.
As for the price of some second -hand housing reflected in public opinion, it is mainly because some owners' listing prices are too high and there are serious departure from the market.
Of course, heating is objective.At the end of April, the Chinese Housing Big Data Analysis Report of the Chinese Academy of Social Sciences showed that the national real estate market was basically restored: the core cities rose steadily, and the transaction volume was roughly restored.Almost the same day, the central bank's first quarter of the urban reserved questionnaire survey report was released. Among them, 23.0%of the residents expected that house prices would rise in the next quarter, and 48.0%of residents expected house prices to remain basically unchanged.
The property market entrusted by confidence has become one of the fastest industries after the epidemic.
The house is undoubtedly the most important cockpit stone in Chinese household assets. It dominates most of the imagination of ordinary people on the future. In the central bank report, no matter which point we start, we can always go around the house.Talking about two people in real life and turning around, they are always inseparable from the topic of real estate.
In 2019, the per capita disposable income of residents across the country has just passed the threshold of 30,000 yuan. In contrast to the housing assets of millions of dollars, it is difficult to produce a magical feeling.
People's sadness and joy are always different. Families who have the down payment, families who have just returned to loans, families who have returned loans and families who are ready to buy another house. After all, they feel different.In Xiaoyang spring in the property market, others were going to fight the Cold War when they heard it.
However, people who are diluted by macro numbers and have lived their same life are easy to resonate with similar concerns.For example, you and me after working overtime again and again, and read the poet Xu Lizhi in the long -term voyage of the inch in Shenzhen:
I want to sleep on the streaming line at five in the morning/I want to close my eyes/no longer work overtime and stay up late/the end of this trip is the sea. I am a boat.
