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北上广人均存款超10万 互联网理财成白领“新宠”

2017-09-19 16:18:21   央广网

北上广人均存款超10万 桔子理财成白领理财“新宠

国家统计局近日发布的统计数据显示,2016年末住户存款余额为60.65万亿元,这其中,北上广三个城市人均存款超过10万。随后,18日统计局再次公布15个一线城市新房价格指数环比首次下跌。一方面楼市趋于冷淡,房产投资受挫。而另一方面,互联网理财却发展火热,行业规范也使各平台有了更大的发展空间,这其中,具备优质资产和先进风控技术的桔子理财尤其吸引了众多都市白领目光。

数据来源:国家统计局

从数据可以看出,人均存款的差异呈现出东高西低现象。北上广杭位居东部沿海发达地区,城镇化率也比较高,人均收入高,人均存款余额也高。当然除了这些因素,还有一个城市内的居民投资氛围。比如厦门地处东部沿海地区,城镇化水平已经比较高,人均收入水平也比较高,但厦门的人均存款却相对低,为5.5万。知情人透露,这源于闽南这边的投资氛围都很浓厚。很多人都是想自己当老板,一有点钱就投资或者置业,存银行的比较少。

北上广人均虽然存款超10万,但存款用户的投资意识很强。毕竟存款放在银行里,经过通货膨胀是在持续贬值。再加上中国这些年房价涨,物价涨,人民币的国内实际购买力贬值严重。在这样的经济背景下,若死守着固定工资固定存款的话,生活品质肯定下降,一般家庭只有通过投资理财,才能抵御通货膨胀。所以,将存款做一些资产配置成了大部分存款用户首要考虑的问题。深圳作为一线城市,人均贷款高达12万,高于其他3个超一线城市,其中大部分是房贷。

但是,置业不动产抵制财富贬值的热情正在减弱,国家统计局公布了15个一线和热点二线城市新建商品住宅价格变动对比表,数据显示,8月份,一线城市新建商品住宅和二手住宅价格环比均下降0.3%,这是一线城市29个月来新房价格指数环比第一次下跌。手中的存款在增多,传统投资渠道已无法满足需求。为了避免个人存款贬值,部分存款用户开始尝试低门槛、安全靠谱的优质互联网理财平台如桔子理财,从而获取稳定收益,抵抗贬值风险。

作为乐信集团旗下的互联网理财平台,桔子理财成立于2014年6月,底层资产优先对接乐信集团旗下分期乐商城的白领小微分散消费债权,握有行业优质资产。同时,依托分期乐商城的消费场景,乐信自主研发的智能风控引擎“鹰眼”,能够有效评估借款人还款能力、还款意愿等,确保了集团的整体坏账率低于行业平均水平,工商银行、广发银行、浦发银行、中原消费金融等众多金融机构才能对乐信的资产质量有信心,纷纷与桔子理财进行各种合作。

统计显示,成立三年来,桔子理财已经累计为180多万用户赚取了数亿元收益,历史兑付率达到100%。另据了解,近一年监管机构对于小额分散这一定位的反复强调,印证了桔子理财模式或许才是市场和监管未来将选择的方向。今年2月13日,桔子理财与全国性股份制商业银行广发银行正式上线资金存管系统,平台不碰触投资资金,更好保障投资者资金安全。

因此,对于北上广这些亟需寻求保值和增值服务的大批量存款用户来讲,稳健的投资和收益成为他们愿意投资桔子理财的重要原因,也成为家庭获取财富保障的避风港。

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