The life pressure that youth place faces gets wide attention of late.
According to 2018 " findings report of foreground of Chinese provide for the aged " show, chinese young generation (35 years old the following) think to want to have comfortable senile life cause, need deposit 1.634 million RMB. Nevertheless the person of short duration of 56 ％ did not begin stockpile, begin the philtrum of the 44 ％ of deposit, they are average RMB of every months of deposit only 1389 yuan. Namely the target of deposit of provide for the aged that they also need nearly 60 years to just can reach them think to need.
Why cannot the youth put money? Data shows, the life cost of Chinese big city already ranked global front row; Meanwhile, in lead consumptive concept falls, many people still still do not have the money of credit card even. Newest data shows the Central Bank, up to end of the 2nd quarter, half an year of credit card exceed the time limit not countervail credit total seventy-five billion six hundred and sixty-seven million yuan, annulus comparing grows 6.35 ％ .
One, 56 ％ youth did not deposit money
Recently, ant gold is taken and Fu Daguo border is released 2018 " findings report of foreground of Chinese provide for the aged " . Report data sampling many 28000 user. Data shows, most person has realized the value that has plan of a pension, the average emeritus age that each age group anticipates is 58 years old, 35 years old anticipate 57 years old below.
Most investigation object believes they will have comfortable senile life. To reach this goal, on the foundation that takes no account of investment, investigation object thinks they need to have the deposit of cash of provide for the aged of 1.822 million RMB at least each. Young generation (35 years old the following) target deposit slightly a few lower, for 1.634 million RMB, give priority to with cash, and did not consider inflationary factor.
But meanwhile, most person did not begin to give real operation for their ideal: Only the young generation of 44 ％ expresses to begin to prepare for deposit of provide for the aged.
And the young generation of 56 ％ admits to did not begin for provide for the aged stockpile, this has the person of 40 ％ to plan to begin stockpile when 40 years old among them, this means the time that they took 17 years to oneself only to achieve emeritus deposit goal. Namely after 40 years old deposit money every year nearly 100 thousand yuan of ability achieve a goal.
And the person of 38 ％ expresses to had not considered to make deposit for provide for the aged.
Begin the young generation of deposit, every are mean monthly deposit 1339 yuan, this already occupied the 21 ％ of salary. If do not have investment, rely on deposit only, the time talent that they may need nearly 60 years accumulates 1.63 million yuan target.
The financial standing that to oneself place body is in still has young generation to understand certainly. The person of 44 ％ thinks they won't obtain their enough deposit when retire. Lacking capital is main obstacle.
The report expresses, young generation is bearing composing is " with filling generation " pressure -- they " on have old, have below small " , need assumes the expense of child education and parental provide for the aged at the same time. Compare with photograph of person of on one generation, the deposit of young generation is fewer, indebted and more.
2, cost of great city life ranks global front row
Why did the youth put no less than money?
The life cost of Chinese big city already was on global front row. By this year June, advisory orgnaization beautiful world seeks advice from the world's greatest manpower natural resources released rank of global life cost, before Hong Kong, Beijing, Shanghai was entered 10, shenzhen the 12nd, guangzhou the 15th.
In the meantime, the price that beautiful world seeks advice from to still pass expenses of a few daily lives is comparative, see cost of Chinese great city life is in global position.
It is ticket of a piece of movie above all alive bound each price of big city, hong Kong probably 15 dollars, between Shanghai 10-15 dollar.
The price of a jeans, hong Kong probably 100 much dollars, 140 dollars of Shanghai.
The price of a cup of coffee, shanghai and Hong Kong exceed 5 dollars, rank global front row.
The price of snack, criterion a little a few lower, be not worth 5 dollars.
Life cost is so high, subsist of ability of how many cash? One kind circulates very wide view is: "Big city monthly pay does not pass the 10 thousand work that do not have a law. " that calculates, how much can the monthly pay after duty still remain 10 thousand yuan besides living cost.
3, the whole nation has exceed the time limit of 75.6 billion credit card
In addition, in the lifestyle that the youth is consuming at lead, flower, borrow, white, credit card, countless lead spending pattern are exciting youth is bought ceaselessly buy, but data shows, already many people still did not have.
On August 20, the Central Bank releases " the 2nd quarter paid a system to run overall condition 2018 " show, half an year of credit card exceed the time limit not countervail credit total achieves seventy-five billion six hundred and sixty-seven million yuan, annulus comparing grows 6.35 ％ . Occupy credit card to answer the 1.21 ％ of countervail credit remaining sum, occupy go up quite quarterly end drops 0.02 percent.
Data of past years of statistic of daily economy news discovers, with thirty-five billion seven hundred and sixty-four million yuan of photograph comparing 2014, forehead of exceed the time limit spends credit card to had broken up time, with compared 2010, growth is 10 times more adjacent.
From the point of quantity of credit card hold, this year 2 quarters, amount of hold of average per capita of our country credit card also achieved the history highest value -- average everybody is 0.46 pieces, be equal to every two people basically to have a piece of credit card.
The article comes from Chinese fund newspaper
