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人均存款首超10萬!瑞銀:A股將成為新的居民財富蓄水池
格隆匯 01-16 15:12
央行發佈最新數據顯示,2024年我國住户人民幣存款增加了14.26萬億元,住户人民幣存款餘額攀升至151.25萬億元。

按照人口數據計算均值,我國人均存款為10.7萬元,年度數據歷史首次超過10萬元大關。

數據顯示,全國各省市人均存款排名前三分別為北京、上海和天津。

北京人均存款32.5萬元,約為全國均值的3倍;上海人均存款25.3萬元;天津人均存款17.3萬元位列第三;緊隨其後的是浙江、遼寧、江蘇,人均存款均超12萬元。

廣東以13.6萬億元排名前列,不過由於廣東常住人口多達1.27億人,平均分配之後,人均存款低於全國平均水平,在全國排名僅列第十二位 。

興業證券全球首席策略分析師張憶東表示,A股會迎來一個社會財富向股市再配置的黃金階段,2025年中國國內看大類資產配置,A股肯定是最好的;後續,150萬億左右居民儲蓄為代表的居民財富,會是一個趨勢性的向A股的再配置。

前海開源楊德龍指出,過去四年居民儲蓄大量增長,四年時間大約增加了60萬億,超額儲蓄已經超過十幾萬億,居民儲蓄將在未來某個節點開啟向資本市場大轉移的路徑,這需要資本市場產生一輪賺錢效應。

瑞銀證券中國股票策略分析師孟磊在第二十五屆瑞銀大中華研討會上表示,相信兩會之後有更多政策推進,疊加盈利增速的反彈、成交量的回升以及資金面的改善,A股總體會處在往上走的局勢,對2025年保持樂觀。孟磊説,在我們看來A股市場目前,尤其在房地產市場沒有辦法成為居民財富蓄水池的新一輪背景下,A股市場有相關的職能取代房地產市場,成為新的居民財富蓄水池。

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