What makes Ningbo people love money?

Recently, the People's Bank of China Ningbo Center Sub -branch announced the financial data in the first half of the year, which made people feel: ordinary people love to save money.

Ningbo citizens average 586 million yuan deposit deposit bank

Data from the Bank show that at the end of June, the balance of local and foreign currency deposits in the city's financial institutions was 2.94 trillion yuan, an increase of 12.5%year -on -year, and the growth rate was higher than 2.0 percentage points across the country.

It is worth noting that residents' deposits have increased more year -on -year. At the end of June, the balance of residents in the city was 1.05 trillion yuan, an increase of 13.8%year -on -year, and the growth rate increased by 3.8 percentage points from the same period last year.

What is the concept of increasing household deposits of 106.08 billion yuan in the first half of the year? This means that in the first half of the year, an average of about 586 million yuan per day rushed to the bank.

Vowererate, in the first half of 2021, resident deposits increased by 64.22 billion yuan. In the first half of 2020, resident deposits increased by 84.39 billion yuan. In the first half of 2019, resident deposits increased by 64.06 billion yuan. In the first half of 2018, resident deposits increased by 34.32 billion yuan. In other words, the increase in resident deposits in the first half of 2022 hit a new high in recent years.

At the nationwide perspective, in the first half of the year, household deposits increased by more than 10 trillion yuan. The rhythm of the growth of Ningbo residents is consistent with the country.

According to data released by the central bank on the 11th, the RMB deposit increased by 18.82 trillion yuan in the first half of the year, an increase of 4.77 trillion yuan year -on -year. Among them, household deposits increased by 1.033 trillion yuan, non -financial corporate deposits increased by 5.3 trillion yuan, fiscal deposits increased by 506.1 billion yuan, and non -bank financial institutions deposits increased by 951.3 billion yuan. In June, RMB deposits increased by 483 trillion yuan, an increase of 974.1 billion yuan year -on -year.

58.3%of residents tend to "more savings"

According to the central bank's second quarter of 2022 urban storage household questionnaire survey reports, 23.8%of the residents who tend to "more consumption", an increase of 0.1 percentage points from the previous quarter; 58.3%of the residents tended to "savings", than The last season increased by 3.6 percentage points; residents who tended to "more investment" accounted for 17.9%, a decrease of 3.7 percentage points from the previous season. In other words, more people are willing to save money, and fewer people are willing to invest.

What is the response of Ningbo citizens?

After the 80s, he was in charge of the head of a state -owned enterprise, and his income was stable. When she used to take care of family assets, her main direction was bank wealth management and funds. However, this year, Fei has changed its previous style and has become conservative. "In April, I redeemed all the funds in the account. I originally wanted to make a LV by the fund. As a result, I found that the original Intraceed had fallen off a Hermes. She said that the funds that exited from the fund account chose to put them in savings.

"I put it in the structural deposit I withdrew the money, and the capital was stable, and the income may be slightly higher than the fixed deposit." 霏 said to reporters that the environment of personal investment this year is relatively fluctuating. Choose a reliable savings.

The willingness of residents to save is enhanced, and the feelings of bank wealth management managers are deeper.

"Every year, it is said that the large -scale deposit orders are popular, and this year is particularly popular!" The person in charge of the gold department of a joint -stock bank told reporters that under the continuous decline in interest rates, every time there is a wind sound, the large deposit bill is decisively made by the customer's shooting. Object. "There are few quotas, and there are many people asking. Each application to the head office is limited. Generally, the customer proposes to the financial manager how many large deposit orders for booking. The quota is basically second light. "

In addition to large deposit orders, the popularity of savings government bonds is not low. Affected by the epidemic, the savings Treasury bonds in May and June this year were suspended for two consecutive months. In July, the resumption of savings Treasury bonds immediately welcomed a climax. "On the day of the first issue of the start on July 10th, there were many customers who consulted the purchase early in the morning. Just one morning, the amount of our outlets saved the national debt was sold out." Said that a state -owned bank, Haishuyi Sub -branch.

What makes Ningbo people love money?

Make friends in doubt: Why do you love to save money?

Shen Yi, a researcher at the Donghai Branch of the National Research Institute of Research Economics, believes that on the one hand, the repeated enhancement of the residents 'ahead of the Yangtze River Delta region in the first half of the year has strengthened the awareness of the residents' ahead to cope with the incidents such as illness and unemployment. The liquidity needs of assets are also higher.

"From the expected expectations of residents 'income, affected by factors such as the rebound of the epidemic, the difficulty of employment has increased. Due to the uncertainties of future income, some residents' willingness to prevent savings increase." Lu Lu analyzed that from the perspective of family consumption perspective, under the epidemic, it is difficult to carry out across provinces and abroad, and family tourism expenditure is reduced; and the introduction of the "double reduction" policy has made the educational expenditure of families for student counseling on off -campus counseling. It's right. The decrease in various types of expenditures, the corresponding increase in savings.

The fluctuations in the capital market in the first half of the year are also an important reason for residents to turn their attention to savings.Shen Yi analyzed, affected by factors such as the conflict between Russia and Ukraine, the Federal Reserve's interest rate hike, and the new crown pneumonia epidemic, the capital market fluctuated in the first half of the year.The stability of assets has received more attention; at the same time, the suspension of the suspension of Savings Treasury bonds in May and June of this year has also reduced the choice of financial assets and promoted residents' funds to more to deposit.In Lu Lu's opinion, from the analysis of the investment market performance, on the one hand, the fluctuations of stocks and funds have increased investors' risk aversion. On the other hand, with the new rules of asset management, bank wealth management bid farewell to "capital guarantee income", and bank wealth management bids "capital guarantee income".Towards the era of net worth.Especially for those who hate risks, in order to avoid possible losses, bank deposits have become the first choice.

Source: Southeast Finance, Ningbo News Network.

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