Now a lot of the so-called middle class, in fact, anxiety, some although the value of 500 ~ 600w above the level, but a large proportion of assets, a large proportion of the proportion, is in the real estate and other real estate, liquidity is relatively low, especially the higher prices of the north, Guangzhou and Shenzhen, some of the suite is worth tens of millions, but if you sell the cash that may not be able to buy it back, not living.
Yunnan, Guizhou, Sichuan and Chongqing regions, belonging to the west, although the economy is a bit behind than the east, but the population is still a lot, especially in Sichuan and Chongqing, Chengdu and Chongqing, for example, a set of just three households, at least to be worth 150w ~ 200w ranging , the average working family or office workers, to be able to afford to buy a set of even if it is good, this is considered the level of the average citizen. This is considered to be the level of the average citizen.
To reach the middle class in the region of Yunnan, Guizhou, Sichuan and Chongqing, net worth less than 5 million, life and other aspects of expenditure, spending estimates are still relatively tight, after all, middle class than the average ordinary citizens at least some of the privileges, at least to have a second-tier city in the, more than 2 suites, more than 2 suites, more than 2 suites, more than 2 suites, more than 2 suites. The first is that the first two suites of the first two cities in the world were built on the basis of the first two suites of the first two cities in the world and the second suite was built on the basis of the first two suites of the first two cities in the world and the third suite was built on the basis of the first two suites of the first two cities in the world.
Although some people are worth 3 million, can barely ride the border of the middle class, but if annual family income and other cash flow , less than 500,000 yuan or more, may still be more nervous and anxious, according to the Hurun on the "new middle class" crowd portrait of the label, the average According to Hurun's labeling of the "new middle class" population, the average annual household income is more than 650,000 dollars, which is considered more typical.
Chengdu and Chongqing, Sichuan, relatively speaking, volume than Kunming, Guiyang, some larger , whether it is the size of the population, or the disk of the real estate market, so some of the higher housing prices is understandable, and now Chengdu a little bit better location, the price of housing in the 20,000 or more, is more understandable, Chongqing's 15,000 or so is more common (Chongqing because of the public rental housing, and the location of all of them). The price of housing in Kunming and Guiyang is relatively lower than that of Chengdu and Chongqing, but at least it is considered a second-tier provincial capital city, housing prices if less than 10,000, that can be really depressing, in general, 10,000 at the beginning or a little higher, are to be expected.
The middle class is not the traditional "rich", and the "well-off" is more similar to the educational background, cultural literacy, and other aspects, but also need a certain amount of precipitation. At least the family per capita is above the level of bachelor's degree family, in the wealth of intergenerational inheritance, only more stability and continuity of it, after all, if the parents of the generation of people with low education, the training requirements of the children, it is very difficult to be like the middle class as the children's education systematic planning and investment, So a lot of the boomers, a generation on the squandering of the empty, the children's generation did not become a big climate, the real middle class, the children's education system, the children's education system, the children's education system, the children's education system. The real middle class families, many of them belong to the best in the professional field, such as finance (fund managers), law (lawyers), medical (physicians), education (professors) and other type of careers, is more common, and these industries want to achieve outstanding achievements, university education, can basically be considered the admission ticket, a lot of them are still masters of doctoral programs. family.
In addition to the above, in terms of net worth, liquidity (annual income), educational background, etc., the self-identification and value attribution of the middle class is also very important, for example, to follow the spirit of the contract, the recognition of the market value, and cognition of the social strata, etc., they are different from the traditional They are different from the traditional "small citizens", and even more different from the small peasant society of the farming civilization. Most of them belong to the urban residents living in the middle and big cities, and they have a stronger sense of identity with the rules of the modern business civilization, and they are less able to adapt to the traditional farming society of the circle of acquaintances and feelings.
For Yunnan, Guizhou, Sichuan and Chongqing, a family, if there is a set of real estate, and then the total assets can reach about one or two million, the net income of the family salary can reach one or two hundred thousand, may be even if the level of the middle class.
1, one or two hundred thousand net income, even if it is the middle classIn 2019, the national average salary per employed person is about 75,000 yuan, if a family of two people work, then the annual income is 150,000 yuan. And if you go by the definition of middle class, then if a family of two reaches the average income, it's considered middle class.
Therefore, a family with a yearly income of one to two hundred thousand dollars, probably even if it is the middle class.
2, assets of one or two million, even if it is the middle classIf a family has a set of real estate, after removing the liabilities, the net assets can reach one or two million, even if it is the middle class. According to the just released Hurun 2020 Wealth Report data, China's mainland families with assets of 6 million is about 5.01 million, accounting for about 1.165% of the total number of 430 million families in the country.
Looking at it this way, families with $6 million in assets in China are considered a minority of wealthy families. Now in general, our country is not very rich, and there are probably still a lot of people who rent and live in the city, and a lot of people who don't have a very high level of income.
And if it is a middle class family, it should be the majority of the families in society, so that when you look at it from a comprehensive point of view, a middle class family probably has a million or two net worth, probably owns a set of real estate, so it can be considered a middle class family.
Therefore, a net worth of one to two million dollars and a set of real estate should be considered a middle-class family.
3. ConclusionIn summary, a middle-class family with an annual income of one to two hundred thousand dollars, a set of real estate, and a net worth of one to two million dollars should be considered a middle-class family.
Personally, I think these local middle class is: a set of 90 square meters above the second-tier city above the house (no loan), family salary monthly income of more than 20,000, deposits of more than 500,000, a 300,000 car, without any arrears. The first thing you need to do is to get a good deal of money from the government.
The treatment of our national civil servants compared to the general public in the region, the treatment is absolutely not low, the marriage market women are the most realistic. The income level and basic treatment of civil servants is definitely above the middle class
I have friends who work in the capital cities of some of these provinces, and I personally think that in order to reach the level of middle class in these places, at least you need to have about 200 square feet of real estate in the capital city of the province, and you and your wife have a stable income, and an annual income of about 200,000 yuan, which basically enables you to reach the level of middle class.
I have seen most of the civil servants are able to reach this level.
I'm from Chengdu, so I'll tell you what I understand.
1. A school district house, an improvement house, no loan.
2. Stable work in the system, or three high and one main. High-knowledge, high-ranking cadres, senior white-collar workers and business owners.
3. Financial assets of 3 million +.
1, the poor: income of 100,000 yuan, assets of 1 million or less; 60% (no house or a small house)
2, well-off: income of 100-200,000 yuan, assets of 1-2 million; 25% (a suite)
3, the middle (lower): income of 200-500,000 yuan, assets of 2-5 million; 8% (a suite)
4, the middle (upper): income of 200-500,000 yuan, assets of 2-5 million; 8% (a suite)
4, the middle (middle): income of 200-2000 yuan, assets of 200-500,000 yuan. p>
4, middle (upper): income of 500-1 million, assets of 5-10 million; 5% (three suites and above)
5, rich: income of 1 million or more, assets of 10 million or more; 1.9% (small business owners/golden collars more than one suite)
6, tycoons: income of 10 million or more, assets of 100 million or more; 0.1% (large business owners)
Note: the income of the middle class: income of 10 million or more, assets of 100 million or more; 0.1% (large business owners)
Note: Income refers to the annual household income, and assets refer to the household net worth after deducting all debts.
I think including real estate more than 10 million, the family annual income of more than 600,000 should be able to, after all, is the western region
First of all, if the asset is a net asset to make a good evaluation, the second is the growth momentum of the asset, that is, the annual total income minus the total expenses of the net amount; the third is the asset distribution ratio. According to the incomplete statistics of the past few years, I think the first about 3 million net assets (total assets - total liabilities) can be counted on the middle class, the second annual total income minus total expenses and more than 150,000 as savings or investment is considered to be the middle class, and the third, the proportion of liquid assets to more than 20%.
Three have, I think in Yunnan, Guizhou, Sichuan and Chongqing can be counted on the real middle class and above.
Chengdu, there are too many rich people. The middle class should be 70%-90%, the basic house before the townhouse, plus decoration of about 8 million, the family income of about 800,000, the car should be more than 500,000, greater than this standard in Chengdu at least 30% of the people.
This data how to come, we look at the main market, the provincial government and the municipal government of the various divisions above the level, including once here inaugurated the transfer to the field of leadership of this money should have.
The central state-owned enterprises (power grids, China Tobacco, operators, banks, aerospace, etc.), corporate officers, departmental managers this money should have
The major hospitals, colleges and universities, high school and middle school management of the government's principal this money should have
A dense density of small companies (construction, IT, tobacco and alcohol, wholesale, fast-moving consumer goods, training institutes, hardware, equipment) bosses core
The company's employees, the company's employees, the company's employees, the company's employees, the company's employees, the company's employees, the company's employees. employees this money should have
The local big companies listed non-listed (New Hope, Tongwei, etc.), the provinces moved over the branch R & D institutions (Ali Huawei Tencent, etc.) but where the shares have a little bit of this money should have
Dining room, ktv, resorts, Nongjiale Chengdu is too much, too many to make money, the capital of the leisure it these shareholders have this money