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| | 中国人的心态，彻底变了 | | | 罗sir财语 ｜ 2026-09-10 | | | |
| 声明： 本消息或因风格和篇幅原因进行过编辑，但未经核实，也不代表我们的立场、观点或建议。如有侵权，联系秒删。[ 使用条款 ] |
scroll 0 1 2026年6月末，中国住户存款余额达到173.48万亿元。
这个数字意味着什么？按14亿人口分摊，人均存款超过12万元。如果只看总量，国人似乎从未如此有钱----光今年上半年，就新增了7.58万亿存款。
但另一个数字让人费解。
同期社会消费品零售总额同比增长仅1.3%，连正常年份的五分之一都不到。汽车、家电、家装----大件消费全线萎缩。更反常的是，上半年住户贷款净减少了3668亿元，有金融统计以来，第一次出现半年度居民贷款总量净减少。
钱越存越多，债越还越少，消费越来越冷。
173万亿趴在银行里，就是不出来。
这不是一个经济学问题，这是一个社会学问题。数字背后，是整个社会心态正在经历一场深刻的巨变。
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先看一个残酷的事实：173万亿，绝大多数人和它没关系。
12.35万是人均存款，但人均和中位数之间，隔着一个真实的社会。
西南财经大学中国家庭金融调查中心的数据给出了另一幅图景：全国家庭存款中位数只有8.7万元----一半家庭全家老小的存款加起来不到这个数。
存款不到10万的家庭超过74%，超过50万的仅占6%，超过100万的凤毛麟角。
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