近日，中国人民银行发布的金融统计报告显示，截至2023年底，全国居民人均存款达到11.8万元人民币。这一数据引发广泛关注，不少网友表示‘被平均’，认为自身存款远低于该水平。实际上，人均存款是将全国住户存款总额除以总人口得出的平均值，并不能完全反映个体差异。由于财富分布不均，高净值人群的大量存款会显著拉高整体平均值，而多数普通居民的实际存款可能远低于此数字。此外，该数据也反映出我国居民储蓄意愿依然较强。在经济不确定性增加、消费信心不足的背景下，许多人倾向于增加储蓄以应对未来风险。同时，房地产市场调整、理财收益波动等因素也促使资金更多流向银行存款。值得注意的是，11.8万元是名义金额，未扣除通胀影响，实际购买力需结合物价水平综合评估。总体来看，这一数据既体现了我国居民较强的储蓄习惯，也揭示了收入与财富分配的结构性问题。政策制定者应关注如何提升中低收入群体的收入水平和财产性收入，以促进更均衡的经济发展。
Recently, the People’s Bank of China released a financial statistics report showing that, as of the end of 2023, the average per capita bank deposit among Chinese residents reached RMB 118,000. This figure has sparked widespread public discussion, with many netizens expressing disbelief—feeling they’ve been ‘averaged out’—as their personal savings fall far short of this level. In reality, per capita deposit is calculated by dividing the total household deposits nationwide by the total population, and thus does not fully reflect individual disparities. Due to uneven wealth distribution, large deposits held by high-net-worth individuals significantly inflate the average, while most ordinary citizens likely hold much less.Moreover, this data also reflects the strong savings tendency among Chinese households. Amid heightened economic uncertainty and weak consumer confidence, many people prefer to save more as a buffer against future risks. Additionally, adjustments in the real estate market and volatility in investment returns have further encouraged funds to flow into bank deposits. It’s worth noting that the RMB 118,000 figure is nominal and does not account for inflation; its real purchasing power must be assessed in conjunction with price levels.Overall, this statistic highlights both the robust saving culture in China and underlying structural issues in income and wealth distribution. Policymakers should focus on boosting incomes and asset-based earnings for middle- and low-income groups to foster more balanced economic development.
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