On March 19, China Merchants Bank released its 2020 annual report. The report shows that in 2020, the operating income of China Merchants Bank was 290.482 billion yuan, up 7.70% year-on-year, and the net profit attributable to shareholders was 97.342 billion yuan, up 4.82% year-on-year. The non-performing loan ratio was 65,438+0.07%, which continued to decline for four consecutive years.

The performance is in line with expectations, and it is still the most worthwhile investment target in banking stocks.

If Alipay of Ant Financial is the representative of inclusive finance, then the APP of China Merchants Bank is the Alipay of the rich.

China Merchants Bank's private bank (serving customers with financial assets 1000 or more) is well-known in the rich circle, and it can only be realized if it becomes a rich person with financial assets 1000 or more.

In addition to performance, the most noteworthy thing in China Merchants Bank's annual report is the retail (personal service-oriented) business data. Through the annual report of the largest retail bank in China, we can find the wealth distribution of China people.

In 2020, the total number of retail customers of China Merchants Bank was 65.438+0.58 billion, of which 365.438+0.0 1.96% were sunflower customers and above (financial assets were more than 500,000). The total assets of retail customers are 894,654.38+75.7 million yuan, and the total assets of sunflower and above customers are 7345.587 billion yuan, accounting for 8.2 15% of the total assets of retail customers.

Only 1.96% sunflower and above customers have mastered 82. 15% wealth. We often say that 28% people hold 80% of the wealth, but in fact, 2% people hold 80% of the wealth.

Compared with 20 19, customers with sunflower and above account for 8 1.84% of the wealth. The proportion will increase in 2020, indicating that the middle class in China is indeed increasing, and the resources held by the middle class are also increasing rapidly.

Further dismantling, the circle owner regards private banking customers as the richest people in China, referred to as "rich people"; Taking sunflower customers as the middle class in China and customers below sunflower as ordinary people, we can find that:

The rich account for 0.06%, holding 3 1.03% of wealth, and the average family assets are 27.7527 million yuan;

The middle class accounts for 1.9% and holds 5 1. 12% of the wealth, with an average asset of 1.5227 million yuan;

Ordinary people account for 98.04%, hold 17.85% of the wealth, and the average family assets are only10.03 million yuan.

This is the real distribution of wealth in China. I have to say that the gap between the rich and the poor is really big, and it is a long way to go to become a middle class.

In terms of growth rate:

In 2020, the number of ordinary customers of China Merchants Bank (excluding sunflowers and above) increased by 9.58%, the number of sunflower customers (excluding private banks) increased by 16.98%, and the number of private bank customers increased by 22.4 1%. The growth rate of wealthy customers is faster than that of the middle class, indicating that social resources are further concentrated in a very small number of people.

In 2020, the average assets of China Merchants Bank's ordinary customers (excluding sunflowers and above) increased by 3.4 1%, sunflower customers (excluding private banks) increased by 1.38%, and private banks increased by 1.59%. The average asset growth rate of the rich is faster than that of the middle class, and it is true that the rich are richer.

The good news is that the average household asset growth rate of ordinary people is the fastest, but we should not forget the cardinal utility. The main reason for the rapid growth of ordinary customers is the low base.

In absolute terms, the average assets of ordinary customers (excluding sunflowers and above) of China Merchants Bank increased by 300 yuan, the average assets of sunflowers customers (excluding private banks) increased by 20,700 yuan, and the average assets of private banks increased by 436,654.38+0,000 yuan. The growth gap is still amazing.

On the whole, 0.06% of the rich in China have mastered 3 1.03% of the wealth, 1.9% of the middle class have mastered 5 1. 12% of the wealth, and at most 98.04% of the ordinary people have only mastered/kloc-0.

The growth rate of the number of rich people and per capita assets is faster than that of the middle class, which shows that the widening gap between the rich and the poor is not only for the rich and the poor, but also for the rich to further rob the middle class of social resources.

The above analysis is based on the data of China Merchants Bank. As the best retail bank in China, China Merchants Bank is representative, so the conclusion has important reference significance.

At present, China Merchants Bank is only located in first-and second-tier cities, so if we consider the gap between first-and second-tier cities and third-and fourth-tier cities, the actual gap between the rich and the poor in China may be even greater.

For example, in the income distribution of netizens in China, only 30% earn more than 5,000 yuan a month, while the average annual income of employees in big companies such as Ali, Tencent and CICC all exceeds 600,000 yuan.

Faced with the cruel gap between the rich and the poor, what do ordinary people need to do to save their class?

The circle owner wants to give you some general directions:

First, do a good job in the allocation of family assets. Based on your own understanding, asset allocation. In the past, China residents' assets were too concentrated in real estate. In the future, we need to further increase the proportion of equity assets such as stocks and funds. In 20 19, equity assets accounted for only 3% of China residents' wealth, compared with 30% in the United States and 15% in Japan. This piece has a lot of room for improvement, and it is also the future trend.

Second, invest in yourself. Keep learning, why do I say "according to my own understanding"? If you don't know anything and think that investing in stocks and funds can overcome the gap between the rich and the poor, what's the difference between that and "getting something for nothing"? You must strengthen the study of investment and financial management, read more books and learn more about your own industry and other fields.

Third, invest in your children. Don't be confined to exam-oriented education, let alone force children to participate in various training courses. A meaningful trip abroad, a wonderful movie and a thought-provoking speech are more conducive to children's growth.

Overcoming the gap between the rich and the poor and overcoming inflation is not a slogan, but we should do it ourselves and set a good goal. We can start next week.