What level of assets does the middle class in Yunnan, Guizhou, Sichuan and Chongqing need to reach? What about other aspects?

Nowadays, many so-called middle class people are actually very anxious. Although some are worth more than 500 to 600 thousand, a large proportion of their assets is in real estate such as real estate, and their liquidity is relatively low. Prices are relatively low, especially in Beijing, Shanghai, Guangzhou and Shenzhen where housing prices are relatively high. Some apartments are worth tens of millions, but if you sell them for cash, you may not be able to buy them back and you won't be able to live in them.

The Yunnan, Guizhou, Sichuan and Chongqing regions belong to the west. Although the economy is somewhat behind that of the east, the population is still very large, especially in Sichuan and Chongqing. Taking Chengdu and Chongqing as examples, a three-bedroom apartment needs at least The value ranges from 1.5 million to 2 million. If an average working-class family or office worker can afford one, it is considered good. This is considered the level of ordinary citizens.

To reach the middle class in Yunnan, Guizhou, Sichuan and Chongqing, if the net worth does not reach 5 million, the expenses and expenses in all aspects of life are still relatively tight. After all, the middle class is more expensive than the average Citizens should at least be better off. They should at least have two or more apartments in a second-tier city or above. The value of two apartments accounts for about 3 million yuan, leaving 1 million to 2 million yuan. Sometimes emergency turnover, or Children's education, medical care for the elderly, etc., each of which is a major expense.

Although some people with a net worth of 3 million can barely reach the boundary of the middle class, if the family's annual income and other cash flow do not reach more than 500,000 yuan, they may still be quite nervous and anxious. According to Hurun’s label for the portrait of the “new middle class” is that the average annual household income is more than 650,000 yuan, which is considered typical.

Relatively speaking, Chengdu and Chongqing in Sichuan are larger than Kunming and Guiyang, both in terms of population size and property market size, so it is understandable that housing prices are higher. Chengdu is better now In this location, house prices are above 20,000, which is quite understandable. Prices of around 15,000 are more common in Chongqing (Chongqing has a lot of public rental housing and the locations are good). House prices in Kunming and Guiyang are relatively lower than those in Chengdu and Chongqing. , but it can still be regarded as a provincial capital city above the second tier. If the house price is less than 10,000, it is really in a depression. Generally speaking, you can expect to be in the early 10,000 or higher.

The middle class is not the "nouveau riche" in the traditional sense. It is similar to the "moderately prosperous". It also requires a certain amount of accumulation in terms of educational background and cultural literacy. At least families where each person in the family has a bachelor's degree or above will have more stability and sustainability in the intergenerational inheritance of wealth. After all, if one generation of parents has low academic qualifications, it will be difficult for their children to have the same training requirements as the middle class. Such systematic planning and investment in children's education has led to many nouveau riche squandering all their money in one generation, and their children have not had much success in one generation. For real middle-class families, many are leaders in professional fields, such as finance ( Fund managers), law (lawyers), medical (physicians), education (professors) and other types of occupations are relatively common, and if you want to achieve outstanding results in these industries, a university degree can basically be regarded as an admission ticket, and many still A family with a master's degree and a doctorate.

In addition to the above, the self-identity and value attribution of the middle class are also very important in terms of net assets, liquidity (annual income), educational background, etc., such as compliance with the spirit of the contract and market value. They are different from traditional "small citizens" and even different from the small peasant society of farming civilization. Most of them are urban residents living in medium and large cities, and they have a stronger sense of identity with the rules of modern commercial civilization. Strong, it is relatively difficult to adapt to the emotional circle of acquaintances in traditional farming society. After all, many areas in the city are market models of strangers. Although it seems a little indifferent in interpersonal terms, in terms of career and professional ability, this Humanoids are particularly efficient and can create greater value for society. This is the saying that the economic base determines the superstructure.

For the Yunnan, Guizhou, Sichuan and Chongqing regions, if a family owns a property, its total assets can reach about one or two million, and its net family salary income can reach one or two hundred thousand, it may be considered middle class. .

1. A net income of one to two hundred thousand yuan is considered middle class

In 2019, the per capita salary of employed people nationwide was about 75,000 yuan. If a family of two works, the annual income will be 150,000 yuan. According to the definition of middle class, if both members of a family have an average income, they are considered middle class.

Therefore, a family with an income of one or two hundred thousand a year is probably considered middle class. 2. If a family has assets of one or two million, they are considered middle class.

If a family owns a house and their net assets can reach one or two million after deducting liabilities, they are considered middle class. According to data from the just-released Hurun 2020 Wealth Report, there are approximately 5.01 million households in mainland my country with assets of RMB 6 million, accounting for approximately 1.165% of the total 430 million households in the country.

Looking at it this way, our country’s families with assets of 6 million can be regarded as a small number of wealthy families. Now, generally speaking, our country is not very wealthy. There may still be many people renting houses in cities, and many people's income level is not very high.

If it is a middle-class family, it should be the majority of families in society. Taken together, a middle-class family probably has a net worth of one to two million and owns a house, which can be regarded as A middle-class family.

Therefore, if you have a net worth of one or two million and a house, you should be considered a middle-class family. 3. Conclusion

To sum up, a middle-class family should be considered a middle-class family if it has an annual income of one or two million, owns a house, and has a net worth of one or two million.

Personally, I think the middle class in these places is: a house of more than 90 square meters (no loan) in second-tier cities or above, a monthly household income of more than 20,000, a deposit of more than 500,000, a car of more than 300,000, and no Any amounts owed. Those who meet this condition can be called middle class.

Compared with the general public in the region, the remuneration of civil servants in our country is definitely not low, and women in the marriage and love market are the most realistic. The income level and basic benefits of civil servants must be above the middle class.

I have friends who work in the capital cities of these provinces. I personally think that to reach the middle class level in these places, you need at least a property of about 200 square meters in the province. , I and my wife have a stable income, with an annual income of about 200,000, which can basically reach the middle-class level.

I have seen most civil servants achieve this level.

I am from Chengdu, so let me explain my understanding.

1. One house in the school district, one improved house, no loan.

2. Work within a stable system, or have three highs and one master. High intellectuals, senior cadres, senior white-collar workers and business owners.

3. Financial assets of 3 million+.

1. Poor: income less than 100,000, assets less than 1 million; 60% (no house or a small broken house)

2. Well-off: income 100,000-200,000, Assets 1 million to 2 million; 25% (one house)

3. Middle class (lower class): income 200,000 to 500,000, assets 2 to 5 million; 8% (two houses)

4. Middle class (upper class): income of 500,000-1 million, assets of 5-10 million; 5% (three properties or more)

5. Rich: income of more than 1 million, assets of more than 10 million; 1.9% (small business owners/gold collar multi-suite)

6. Rich people: income of more than 10 million, assets of more than 100 million; 0.1% (large business owners)

Note: income refers to Annual household income and assets refer to household net worth after deducting all debts.

I think it should be enough including real estate of more than 10 million and annual household income of more than 600,000. After all, it is the western region

First of all, assets must be net assets to make an evaluation, and secondly, assets The growth momentum is the net amount after total annual income minus total expenditure; the third is the asset allocation.

Based on incomplete statistics in the past few years, I think that firstly, a net worth of about 3 million (total assets - total liabilities) can be considered a middle class, and secondly, after the total annual income minus total expenses, there is still more than 150,000 as savings or investment. To be considered middle class, third, the proportion of current assets must be more than 20%.

If these three things are met, I think people in Yunnan, Guizhou, Sichuan and Chongqing can be considered truly middle class and above.

There are too many rich people in Chengdu. The middle class should be 70%-90%. A basic house before a townhouse costs about 8 million plus decoration, a family income of about 800,000, and a car should cost more than 500,000. At least 30% of people in Chengdu are above this standard.

How did this data come from? Let’s look at the market entities. Provincial and municipal governments at all levels and above, including leaders who once worked here and were transferred to other places, should have this amount of money.

Various central state-owned enterprises (Power Grid, China Tobacco, operators, banks, aerospace, etc.), corporate leaders and deputies, and top leaders of various departments should have this money

Major hospitals and universities, The government principals and management of high schools and elementary schools should have this money

The bosses and core employees of numerous small companies (construction, IT, tobacco and alcohol wholesale, FMCG, training institutions, hardware and equipment) should have this money

Large local companies that are listed and unlisted (New Hope, Tongwei, etc.), branch R&D institutions that have moved from other provinces (Alibaba, Huawei, Tencent, etc.), as long as they have some shares, they should have this money

There are too many restaurants, KTVs, resorts, and farmhouses in Chengdu, and there are too many people making money. In the city of leisure, these shareholders all have this money