Of course, this survey report has also been questioned by many people, and many people have expressed their views on the middle class.
Some people say that the middle class must be free of wealth, and China is under pressure from housing, education and medical care, so it is inevitable to be rich, so the proportion of the middle class is relatively small;
Of course, some people think that the middle class is the income level that most people can reach, so it is not surprising that there are many middle classes;
Others say that the standard of the middle class should be judged not only by income level, but also by knowledge education, living standard and life pursuit.
In short, different people have different views on the middle class, but the general view of most people is that it is difficult to reach the middle class. At present, there are few middle-class families in China. Of course, many people are also very concerned about whether their families have reached the level of the middle class and what is the standard of middle-class families.
In recent years, China has experienced rapid development, both the family income level and people's education level have been significantly improved, and more and more families can reach the middle class. So what is the family standard of the middle class? Insiders say frankly: If you want to be a middle-class family, you need to meet the following four criteria.
First, at the level of family assets, you must own at least one house and a certain amount of savings.
Family assets are an important standard for middle-class families. How many family assets do middle-class families need? First of all, we must own at least one house, because the house is the most important family asset in our country, and the main assets of most families in our country are concentrated in real estate. Of course, the house must be a commercial house, and self-built houses or small property houses in rural areas are not counted, because the value of such houses is relatively low.
Of course, the house is not necessarily the whole house. Because of the high housing prices in China, few families can buy a house in full, so both the loan house and the full house can be used as an important proof of family assets.
Of course, the housing ownership rate in China is very high, and the housing ownership rate of urban families has reached 96%. Of course, owning a house is not the only criterion for family assets. In addition to owning a house, you need to have a certain deposit. The number of deposits can reach hundreds of thousands, which can cope with many accidents and ensure a high quality of life.
Second, at the level of household income, 50% of household income should be able to meet various expenses.
Family income is also a very important evaluation index. If the income and expenditure are unbalanced, when the expenditure level approaches or even exceeds the income level, the pressure of life will be very great, and the quality of life and family happiness will be greatly affected.
Of course, it is not easy to reach this standard, because people's living expenses are very high now, people with houses need to bear thousands of mortgages, and people without houses need to bear the rent pressure; In addition, medical care, children's education, daily living expenses and car expenses are all important parts that cannot be ignored. For many families, mortgage alone has brought great pressure to the whole family, not to mention other expenses.
In my opinion, to become a middle-class family, the family income level is the most difficult factor to achieve, and it is also the most important factor for many people.
Third, at the level of family education, we must be able to achieve college education or above.
In addition to the level of assets and income, education level is also a very important factor, because the middle class is not only the standard of money, but also the level of knowledge.
At present, colleges and universities have gradually become basic education. In the past, only students with good grades could go to colleges and universities. However, with the continuous expansion of the school, the proportion of students from colleges and universities has gradually increased, and more and more people have realized their university dreams. In fact, most people can't learn any professional skills in college, and most of them are basic courses. On the one hand, these basic courses satisfy people's basic knowledge reserves, on the other hand, they are important basic knowledge for those who are preparing for further study.
Therefore, in my opinion, in the past, college students may be favored by heaven, which is the goal pursued by many people, but now college has gradually become a basic education, so going to college (including junior college) is also an important standard for middle-class families.
Fourth, at the level of family life, in addition to meeting the basic needs of food, clothing, housing and transportation, there must be a certain spiritual pursuit.
In the past, when living conditions were bad, what we pursued was food, clothing, housing and transportation. We can have enough food and clothes, a house to live in and a car to travel. This is the ideal lifestyle that many people pursue. However, in recent years, with the improvement of living standards, most people have met these basic needs. China's housing ownership rate has reached a high level, and private cars are basically owned by every family. Having enough to eat and wear warm clothes has long been our concern.
Of course, the middle class can't just satisfy these, because the middle class not only needs to meet the basic needs of life, but also needs to meet certain spiritual pursuits. In addition to basic work, you need to have rich spiritual pursuits. First of all, you need to have rich entertainment activities, such as traveling and going to the cinema to see movies. These are essential things for spiritual needs. At the same time, we should cultivate certain hobbies. Hobbies are an important part of spiritual pursuit, such as sports, musical instruments, dancing and other hobbies. There are not many hobbies, but we need at least one, so as to enrich our lives.
Conclusion:
These are the four criteria for the middle class. Although these four standards are not high, it is still difficult to achieve them at the same time. However, middle-class families are indeed the level that many ordinary families can reach. You can see if your family meets the middle class family standards.