【新唐人2013年09月13日讯】中国人民银行近日发布数据宣称，目前大陆人均居民储蓄已经超过3万元，位居世界首位，居民储蓄率也远远超过世界平均水平。这一说法迅速引发超过10万网友的吐槽，网民一方面对央行数据提出质疑，另一方面表示，大陆的现状令他们极度缺乏安全感，存钱是为了生存无奈的选择。
据《中国经济网》报导，中国人民银行最新数据显示，截至今年8月，大陆居民储蓄余额已经超过40万亿元，人均居民储蓄超过3万元，居民储蓄率超过50%，使中国在全球储蓄金额、人均储蓄以及全球储蓄率都位居世界榜首。对此，有评论指出，这一系列“全球第一”的后面，包含的是大陆当前挥不去的民生之困，本质上是一种“虚高”。
专家指出，社会保障体系不健全、物价房价急剧攀升、投资渠道狭窄以及百姓对国家未来预期不乐观等因素，是目前大陆居民储蓄规模持续扩张的重要原因。
大陆民众张先生：“中国人民基本生活中的医疗啊、教育啊、住房啊，现在是压在中国人民身上的新的三座大山。 中国社会上有很多很悲惨的现象，得了病没有钱医治，只得被医院赶出去，在家里等死，劳动人民生活中根本就没有什么安全感，感觉到手上不存一点钱的话，觉得随时应付不了这种意外的事件。”
对于大陆老百姓来说，将钱存到银行，更大的意义在于给自己“留一条后路”。高储蓄率的背后，体现出的是民众对现实生活的担忧。
相比大陆居民的“爱存钱”，欧美发达国家的民众几乎很少将钱存入银行，完善的社会保障体系以及发达的金融、保险使他们不需要为生计发愁，也没有后顾之忧。
加拿大华人蒋先生：“至少有三个点我知道，第一个是医疗，是全民医疗；第二个点是教育，从小学到高中是不要钱的；第三点是还有失业金和社会救济金，都是针对穷人的，如果你整体工资在500块钱以下，政府直接给你500每个月。如果你是单身母亲，你还可以分到更多的钱。”
加拿大华人蒋先生表示，如果有了余钱，欧美国家的民众一般都是用在享受生活上。
蒋先生：“有了钱，就会去旅游，而且是经常性旅游，是为了把自己更完善、更好、更健康。”
除了对大陆“快速增长”的居民储蓄有不同的看法外，绝大多数网民对于“大陆人均居民储蓄超过3万元”等数据表示了强烈质疑。有人愤怒“又被平均了”，也有人调侃“又拖后腿了”，表示“惭愧至极”，甚至有网民讽刺“转发央行数据500次会不会被判刑？”
据《搜狐财经》图表显示，在中国，10%的人占有了70%的储蓄，这意味着少数富人占有了太多的储蓄，大大拉高了中国的人均储蓄水平。实际上，中国有90%的人，储蓄率只有中国平均储蓄率的三分之一，大部分人的储蓄少的可怜，甚至欠着银行各种房贷、车贷……这就是“中国全球储蓄率最高”的真相。
旅美经济学家简天伦：如果平均的话，那很容易平均的，有人五亿、十五亿，有人一百、两百、五百，都可能对吧！大陆现在确实存钱存的不少，但平均数说明不了什么问题的”。
另据《搜狐》一项相关的新闻调查显示，在参与调查的2万网民中，个人存款在3万元以下的多达1.62万人，占总人数的79.18%，无疑给了央行数据一记重重的耳光。
采访/朱智善 编辑/ 张天宇 后制/萧宇
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.
