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In today's society, the topic of the ceiling of ordinary people's savings has sparked widespread discussion.

Some people believe that the ceiling of ordinary people's deposits is 500,000 yuan. This figure is not only derived from the maximum compensation amount of deposit insurance, but also reflects the actual deposit status of most people. Moreover, after reaching this amount, many people start to spend lavishly, or buy houses and cars, making it difficult to continue to accumulate wealth, and it is even easy to fall back to less than 500,000 yuan, resulting in 500,000 yuan still being a ceiling that is difficult to break through.

[The origin of the 500,000 yuan deposit ceiling]

It’s not groundless that 500,000 is called the deposit ceiling.

First, this stems from the maximum compensation limit of the deposit insurance system. Since the implementation of the deposit insurance system, when depositors' deposits suffer losses due to bank operation problems, they can receive a maximum compensation of 500,000 yuan. While this mechanism protects the rights and interests of depositors, it also virtually sets a psychological threshold for deposits.

Secondly, according to the data from the central bank in 2015, only 0.37% of the national bank accounts have more than 500,000 yuan, which is about one in every 300 people. As for the relatively slow economic development in the northwest, northeast, southwest and other regions, this proportion is probably even more exaggerated. Even today, ten years later, this proportion may have improved, but the overall trend has not been fundamentally reversed, further confirming the general perception that 500,000 yuan is the ceiling for deposits.