近日，中国人民银行发布的《2025年金融稳定报告》显示，预计到2025年底，我国居民人均存款将达到约11.8万元人民币。这一数据较2023年的人均存款水平有显著增长，反映出居民储蓄意愿持续增强以及经济稳步复苏带来的收入改善。报告指出，尽管消费在逐步回暖，但受不确定性因素影响（如就业压力、教育医疗支出等），许多家庭仍倾向于增加预防性储蓄。同时，银行存款利率虽处于低位，但其安全性与稳定性仍使其成为居民资产配置的首选。值得注意的是，人均存款数据为全国平均值，实际分布存在较大区域和群体差异。一线城市及高收入群体的存款水平远高于平均水平，而部分低收入或农村地区居民的储蓄能力仍有限。因此，该数据更多反映整体趋势，而非个体实际情况。央行强调，未来将通过完善社会保障体系、促进就业和优化收入分配结构，进一步释放居民消费潜力，推动经济高质量发展。
Recently, the People’s Bank of China released its ‘Financial Stability Report 2025,’ projecting that by the end of 2025, China’s per capita household deposit will reach approximately RMB 118,000. This marks a significant increase compared to 2023 levels, reflecting stronger household savings behavior and improved incomes amid steady economic recovery.The report notes that although consumer spending is gradually rebounding, many households continue to prioritize precautionary savings due to uncertainties such as employment pressures and rising costs in education and healthcare. Despite relatively low bank deposit rates, the safety and stability of deposits keep them as the preferred asset choice for most residents.It’s important to note that this per capita figure represents a national average and masks substantial regional and demographic disparities. Residents in first-tier cities and high-income groups hold significantly more savings than the average, while low-income and rural populations still face limited saving capacity. Thus, the statistic reflects broad trends rather than individual realities.The central bank emphasized that it will work to strengthen the social security system, boost employment, and improve income distribution to unlock greater consumption potential and support high-quality economic growth.
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