【新唐人2013年09月13日訊】中國人民銀行近日發佈數據宣稱，目前大陸人均居民儲蓄已經超過3萬元，位居世界首位，居民儲蓄率也遠遠超過世界平均水平。這一說法迅速引發超過10萬網友的吐槽，網民一方面對央行數據提出質疑，另一方面表示，大陸的現狀令他們極度缺乏安全感，存錢是為了生存無奈的選擇。

據《中國經濟網》報導，中國人民銀行最新數據顯示，截至今年8月，大陸居民儲蓄餘額已經超過40萬億元，人均居民儲蓄超過3萬元，居民儲蓄率超過50%，使中國在全球儲蓄金額、人均儲蓄以及全球儲蓄率都位居世界榜首。對此，有評論指出，這一系列「全球第一」的後面，包含的是大陸當前揮不去的民生之困，本質上是一種「虛高」。

專家指出，社會保障體系不健全、物價房價急劇攀升、投資渠道狹窄以及百姓對國家未來預期不樂觀等因素，是目前大陸居民儲蓄規模持續擴張的重要原因。

大陸民眾張先生：「中國人民基本生活中的醫療啊、教育啊、住房啊，現在是壓在中國人民身上的新的三座大山。 中國社會上有很多很悲慘的現象，得了病沒有錢醫治，只得被醫院趕出去，在家裏等死，勞動人民生活中根本就沒有甚麼安全感，感覺到手上不存一點錢的話，覺得隨時應付不了這種意外的事件。」

對於大陸老百姓來說，將錢存到銀行，更大的意義在於給自己「留一條後路」。高儲蓄率的背後，體現出的是民眾對現實生活的擔憂。

相比大陸居民的「愛存錢」，歐美髮達國家的民眾幾乎很少將錢存入銀行，完善的社會保障體系以及發達的金融、保險使他們不需要為生計發愁，也沒有後顧之憂。

加拿大華人蔣先生：「至少有三個點我知道，第一個是醫療，是全民醫療；第二個點是教育，從小學到高中是不要錢的；第三點是還有失業金和社會救濟金，都是針對窮人的，如果你整體工資在500塊錢以下，政府直接給你500每個月。如果你是單身母親，你還可以分到更多的錢。」

加拿大華人蔣先生表示，如果有了餘錢，歐美國家的民眾一般都是用在享受生活上。

蔣先生：「有了錢，就會去旅遊，而且是經常性旅遊，是為了把自己更完善、更好、更健康。」

除了對大陸「快速增長」的居民儲蓄有不同的看法外，絕大多數網民對於「大陸人均居民儲蓄超過3萬元」等數據表示了強烈質疑。有人憤怒「又被平均了」，也有人調侃「又拖後腿了」，表示「慚愧至極」，甚至有網民諷刺「轉發央行數據500次會不會被判刑？」

據《搜狐財經》圖表顯示，在中國，10%的人占有了70%的儲蓄，這意味著少數富人占有了太多的儲蓄，大大拉高了中國的人均儲蓄水平。實際上，中國有90%的人，儲蓄率只有中國平均儲蓄率的三分之一，大部分人的儲蓄少的可憐，甚至欠著銀行各種房貸、車貸……這就是「中國全球儲蓄率最高」的真相。

旅美經濟學家簡天倫：如果平均的話，那很容易平均的，有人五億、十五億，有人一百、兩百、五百，都可能對吧！大陸現在確實存錢存的不少，但平均數說明不了甚麼問題的」。

另據《搜狐》一項相關的新聞調查顯示，在參與調查的2萬網民中，個人存款在3萬元以下的多達1.62萬人，佔總人數的79.18%，無疑給了央行數據一記重重的耳光。

採訪/朱智善 編輯/ 張天宇 後製/蕭宇

Per Capita Savings Rate Over 30,000 Yuan?

Recently, the People’s Bank of China (PBC) released its

savings data.

It claimed that per capita household savings in Mainland now

China exceed 30,000 Yuan ($ 5,000); the highest in the world.

This announcement quickly generated over 100,000 netizens’

Discussions online.

Some netizens questioned the credibility of the data, others

said the current situation in China is extremely insecure.

To survive they have to save money, there is no other choice.

China Economic Net reported the PBC’s latest data up to

August, shows that the country’s savings have exceeded

43 trillion Yuan ($7 trillion).

The capita household savings exceeded 30,000 Yuan ($5,000),

personal saving rates have boosted to over 50%.

The saving amount, per capita savings and saving rates are the

highest in the world.

Commentators said that behind a series of “top of the world"

details are peoples’ hard lives, the figures are unreal.

Experts said that the social security system isn’t good enough,

goods and house prices are rapidly soaring.

Investment channels have narrowed.

People are not optimistic for the country’s future, and these

factors are the main reasons for people saving their money.

Mr. Zhang from Mainland China: “A basic livelihood such as

healthcare, education, and housing are peoples’ main burdens.

Many tragic phenomenons occur in society, people get sick

with no money to have treatments and refused by hospitals.

They have to wait to die at home. Civilians don’t sense any

secure life in China.

Without saving money, people can’t cope with unexpected

incidents."

For civilians in Mainland China, saving money in the bank,

is to have a back up way for life.

The high saving rates also manifests peoples’ worry

about living.

Compared with the Chinese people, in advanced countries such

as Europe and the US, people rarely to put money in the bank.

A sound social security system, a developed financial and

insurance system can protect people.

They don’t need to worry so much about their livelihoods.

Mr Jiang, a Chinese person from Canada: “There are at least

three aspects I know about in Canada; national healthcare,

free education in public schools, unemployment and social

benefitsfor poor people.

For low-income family, government will pay them $500.

Single mothers can even get more benefits."

Mr. Jiang said that if people have extra money,

they will spend it in the enjoyment of life.

Mr. Jiang: “If they got money, they will travel. They travel

regularly to improve themselves better and become healthier."

Apart from different views on the saving rates rapid growth,

the majority of netizens strongly questioned the “per capita

savings exceeding 30,000 Yuan".

Some netizens said: “we are being averaged again", others:

“we are the burden again". Some said: “extremely shamed".

And: “will I be charged for reposting Central Banks’ data

500 times?"

Business Sohu chart shows that in China, 10% of the

population possess 70% savings.

It means a minority of rich people hold the most savings,

greatly increasing the per capita level of savings.

Actually, 90% of population savings rates only cover 30%

of average savings rates.

The majority of people have little savings; some even owe the

bank money.

This is the truth about China’s “world’s highest savings rate".

Jian Tianlun, US-based economist: “the average rate doesn’t

reflect the truth. It is easy to calculate.

500 million, 1.5 billion, one or two hundred, all are correct.

In China, there are many amounts of money saved in the bank,

the average figure doesn’t reflect any facts."

According to a survey of 20,000 netizens on pinglun.sohu.com,

162,000 peoples’ saving are under 30,000 Yuan.

This means 79.18% of people have below average savings.

It is totally different from data the bank announced.