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数据工具系列(一)如何看居民收支表

发布于 2022-11-04

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hidden;height: 20px;width: 20px;background-color: rgb(160, 160, 160);border-width: 3px;border-radius: 100%;border-style: none;border-color: rgb(227, 125, 106);box-shadow: rgb(247, 212, 114) 0px 0px 0px;max-width: 100%;max-inline-size: 100%;overflow-wrap: break-word !important;outline: none 0px !important;"><section style="text-align: justify;font-size: 30px;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><p style="min-height: 1em;cursor: text;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><br /></p></section></section></section><section style="text-align: justify;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><p style="min-height: 1em;cursor: text;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><br /></p></section></section><section style="box-sizing: border-box;display: inline-block;vertical-align: top;width: 89.3594px;max-width: 100%;max-inline-size: 100%;overflow-wrap: break-word !important;outline: none 0px !important;"><section style="margin-top: 10px;justify-content: center;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><section style="box-sizing: border-box;display: inline-block;vertical-align: top;overflow: hidden;height: 20px;width: 20px;background-color: rgb(62, 62, 62);border-width: 3px;border-radius: 100%;border-style: none;border-color: rgb(227, 125, 106);box-shadow: rgb(247, 212, 114) 0px 0px 0px;max-width: 100%;max-inline-size: 100%;overflow-wrap: break-word !important;outline: none 0px !important;"><section style="text-align: justify;font-size: 30px;max-width: 100%;max-inline-size: 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100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><section style="box-sizing: border-box;display: inline-block;vertical-align: top;overflow: hidden;height: 20px;width: 20px;background-color: rgb(160, 160, 160);border-width: 3px;border-radius: 100%;border-style: none;border-color: rgb(227, 125, 106);box-shadow: rgb(247, 212, 114) 0px 0px 0px;max-width: 100%;max-inline-size: 100%;overflow-wrap: break-word !important;outline: none 0px !important;"><section style="text-align: justify;font-size: 30px;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><p style="min-height: 1em;cursor: text;max-width: 100%;max-inline-size: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;outline: none 0px !important;"><br /></p></section></section></section></section></section></section></section></section><p 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!important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 17px;background-color: rgb(56, 55, 54);font-family: PingFangSC-Light;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><em style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">&nbsp;+预计阅读时间5分钟&nbsp;</em></span></strong></span></section></section><section style="max-width: 100%;background-color: rgb(255, 255, 255);font-size: 16px;letter-spacing: 0.5px;text-align: center;font-family: Optima-Regular, PingFangTC-light;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 5px 16px;max-width: 100%;letter-spacing: 2px;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(73, 73, 73);font-size: 14px;font-family: PingFangSC-Light;box-sizing: border-box !important;overflow-wrap: break-word !important;">「 本文共1270字 」</span></section></section><section style="margin: 5px 16px;max-width: 100%;min-height: 1em;letter-spacing: 0.544px;line-height: 1.5em;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br /></section><section data-role="outer" style="max-width: 100%;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin-right: 8px;margin-left: 8px;max-width: 100%;box-sizing: border-box;min-height: 1em;text-align: center;letter-spacing: 0.544px;font-size: 16px;font-family: Optima-Regular, PingFangTC-light;overflow-wrap: break-word !important;"><section style="margin-right: 8px;margin-left: 8px;max-width: 100%;box-sizing: border-box;min-height: 1em;letter-spacing: 0.544px;overflow-wrap: break-word !important;"><section style="margin: 5px 16px;max-width: 100%;box-sizing: border-box;font-size: 14px;color: rgb(0, 0, 0);letter-spacing: 1px;line-height: 1.5em;overflow-wrap: break-word !important;"><section style="box-sizing: border-box;max-width: 100%;display: inline-block;width: 530px;vertical-align: top;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;transform: translate3d(-25px, 0px, 0px);overflow-wrap: break-word !important;"><section style="box-sizing: border-box;max-width: 100%;display: inline-block;vertical-align: top;width: 273px;overflow-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><p style="text-align: right;max-width: 100%;box-sizing: border-box;min-height: 1em;overflow-wrap: break-word !important;"><br /></p></section></section></section></section></section></section></section></section></section><section style="margin: 5px 8px;text-indent: 0em;max-width: 100%;box-sizing: border-box;line-height: 2em;overflow-wrap: break-word !important;"><section style="margin-right: 8px;margin-left: 8px;max-width: 100%;box-sizing: border-box;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: center;line-height: 2em;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;overflow-wrap: break-word !important;"><section style="margin: 5px 16px;max-width: 100%;letter-spacing: 2px;line-height: 1.5em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;background-color: rgb(0, 0, 0);color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><em style="max-width: 100%;color: rgb(51, 51, 51);font-size: 20px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family: -apple-system-font, system-ui, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 0.544px;color: rgb(178, 178, 178);font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;color: rgb(53, 53, 53);font-size: 12px;letter-spacing: 0.544px;font-family: &quot;Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;color: rgb(178, 178, 178);text-transform: uppercase;letter-spacing: 1px;font-family: didot;box-sizing: border-box !important;overflow-wrap: break-word !important;">&nbsp;&nbsp; /&nbsp;</span></strong></strong></span></em></span></strong><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><em style="max-width: 100%;color: rgb(51, 51, 51);font-size: 20px;letter-spacing: 0.544px;font-family: -apple-system-font, system-ui, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 0.544px;color: rgb(178, 178, 178);font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;color: rgb(53, 53, 53);font-size: 12px;letter-spacing: 0.544px;font-family: &quot;Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;color: rgb(178, 178, 178);text-transform: uppercase;letter-spacing: 1px;font-family: didot;box-sizing: border-box !important;overflow-wrap: break-word !important;">CHAPEAU</span></strong></strong></span></em></span></strong><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;background-color: rgb(0, 0, 0);color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><em style="max-width: 100%;color: rgb(51, 51, 51);font-size: 20px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family: -apple-system-font, system-ui, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 0.544px;color: rgb(178, 178, 178);font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;color: rgb(53, 53, 53);font-size: 12px;letter-spacing: 0.544px;font-family: &quot;Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;color: rgb(178, 178, 178);text-transform: uppercase;letter-spacing: 1px;font-family: didot;box-sizing: border-box !important;overflow-wrap: break-word !important;">/</span></strong></strong></span></em></span></strong></section></section><section style="margin: 5px 16px;max-width: 100%;box-sizing: border-box;text-align: center;background-color: rgb(255, 255, 255);letter-spacing: 2px;line-height: 1.5em;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;letter-spacing: 0.544px;color: rgb(178, 178, 178);font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;color: rgb(53, 53, 53);font-size: 12px;letter-spacing: 0.544px;font-family: &quot;Helvetica Neue&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei&quot;, 黑体, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;font-size: 20px;color: rgb(178, 178, 178);text-transform: uppercase;letter-spacing: 1px;font-family: didot;box-sizing: border-box !important;overflow-wrap: break-word !important;"><em style="max-width: 100%;color: rgb(51, 51, 51);font-size: 17px;letter-spacing: 0.544px;caret-color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(62, 62, 62);letter-spacing: 2px;font-size: 12px;font-family: didot;box-sizing: border-box !important;overflow-wrap: break-word !important;">前言</span></strong></em></span></strong></strong></span></strong></section><section style="margin: 5px 8px;max-width: 100%;box-sizing: border-box;text-align: center;background-color: rgb(255, 255, 255);letter-spacing: 2px;line-height: 1.75em;text-indent: 0em;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei UI&quot;, &quot;Microsoft YaHei&quot;, Arial, sans-serif;overflow-wrap: break-word !important;"><section style="margin: 5px 16px;text-align: left;font-size: 14px;caret-color: rgb(102, 102, 102);color: rgb(102, 102, 102);text-indent: 28px;widows: 1;line-height: 1.5em;font-family: PingFangSC-Light;box-sizing: border-box;"><br /></section></section></section></section><section style="padding-right: 16px;padding-left: 16px;color: rgb(62, 62, 62);line-height: 1.6;box-sizing: border-box;font-size: 16px;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-bottom: 16px;white-space: normal;box-sizing: border-box;">从最简单的数据表出发,本次先聊聊大家最关心的问题,持续疫情的状况下,<strong style="box-sizing: border-box;"><span style="color: rgb(0, 122, 170);box-sizing: border-box;">居民的生活咋样了?</span></strong></p><p style="white-space: normal;box-sizing: border-box;">分析的数据源是国家统计局每个季度公布的“2022年前三季度全国居民收支主要数据表”。</p><p style="white-space: normal;box-sizing: border-box;"><br /></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="rich_pages wxw-img" data-croporisrc="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarNRM2h8BgiaXwfbxwDO3ZUTVkndnLdobSOeiadDYMiaEzUfI97hfYIhB4w/640?wx_fmt=png" data-cropx1="0" data-cropx2="1080" data-cropy1="1.96988196988197" data-cropy2="957.3626373626374" data-ratio="0.887962962962963" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiar3xk8jnB8GQu6BWrchK7TFiaQvdEolGljibaBnyhxNaDczJ6u2BfO9ibiaA/640?wx_fmt=jpeg" data-type="jpeg" data-w="1080" style="vertical-align: middle;width: 546px;box-sizing: border-box;height: 485px;"></section></section><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us">暂不讨论数据的准确性问题,作为个体或者机构我们都无法获得更全面更严谨的数据,为了便于比较看到差异,统一采用疫情前2019年1-3季度的数据进行对比,具体讨论以下6个问题:</p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;" /></p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><section style="font-size: 17px;color: rgb(249, 110, 87);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="color: rgb(136, 136, 136);"><strong>Question-1</strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 18px;"><strong><span style="color: rgb(0, 0, 0);">疫情以来,居民收入提高了多少?</span></strong></span></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;"><img class="rich_pages wxw-img" data-croporisrc="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarCfAr01W1eJiaYrQKSfUVw1QIUDqgYjT7tfglqjhLckGspficpLXJ9MSw/0?wx_fmt=jpeg" data-cropx1="0" data-cropx2="640" data-cropy1="0" data-cropy2="315.31135531135527" data-galleryid="" data-ratio="0.4921875" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarrentDrmjWrjbHvq9HsKqnwT1IK6vgGW18rm7BdxIYtnmh8QiaHEfOibA/640?wx_fmt=jpeg" data-type="jpeg" data-w="640" style="width: 546px;height: 269px;"></p><p style="text-align: center;"><br /></p><p style="margin-bottom: 16px;text-indent: 0em;white-space: normal;box-sizing: border-box;"><span style="text-indent: 0em;">这</span><span style="text-indent: 0em;">里需要研判的是全体居民,为了避免被平均,选择</span><strong style="text-indent: 0em;"><span style="color: rgb(0, 122, 170);box-sizing: border-box;">可支配收入中位数</span></strong><span style="text-indent: 0em;">更具代表意义。</span><br /></p><p style="margin-bottom: 16px;text-indent: 0em;white-space: normal;box-sizing: border-box;">2019年是1.99万/人,2022年是2.33万/人,3年累计名义上增加了3395元,增长17.1%,扣除通胀后3年累计通胀6.3%,<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">实际增长约为11.8%,约2300元/人</span></strong>。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">如果要定义的话,不考虑行业差异,<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">整体微涨</span></strong>,过去3年大致抵之前的1年。</p></section><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;" /></p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><section style="font-size: 17px;color: rgb(249, 110, 87);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="color: rgb(136, 136, 136);"><strong>Question-2</strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 18px;"><strong><span style="font-size: 18px;color: rgb(0, 0, 0);">疫情以来,老百姓储蓄率变化?</span></strong></span></p><p style="text-align: center;"><img class="rich_pages wxw-img" data-galleryid="" data-ratio="0.596875" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarzibXpPCQF1NDBnJo89kKz5SuHTicViaGOicHZr3LBoVkT6NGzEy2DYywPQ/640?wx_fmt=jpeg" data-type="jpeg" data-w="640" style=""></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">&nbsp;</span><br /></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 0em;margin-bottom: 16px;white-space: normal;box-sizing: border-box;">敢不敢花钱,核心是看比例,而不是绝对数值,或者说收入的高低,所以我们可以用支出收入比来体现居民的消费意愿,反过来理解是储蓄率,即<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">(收入-支出)/收入</span></strong>。</p><p style="text-indent: 0em;margin-bottom: 16px;white-space: normal;box-sizing: border-box;"><span style="text-indent: 0em;">2019年储蓄率是33.4%,2022年是36.3%,</span><strong style="text-indent: 0em;"><span style="color: rgb(0, 122, 170);box-sizing: border-box;">提高了2.9个百分点</span></strong><span style="text-indent: 0em;">,即同样赚100块,以前是花67.6块,现在是64.7块。</span><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">此外,还可以看城乡差异,城镇储蓄率是40.28%,比三年前提高了4.08%;乡村储蓄率是18.52%,比三年前降低1.00%。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;"><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">“一升一降”说明<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">城里人风险意识大幅提高</span></strong>,而乡村人确实是没钱可存,所以比例降低。</p></section><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;" /></p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><section style="font-size: 17px;color: rgb(249, 110, 87);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="font-size: 24px;color: rgb(136, 136, 136);"><strong>Question-3</strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 18px;"><strong>疫情以来,城乡收入差距在扩大还是缩小?</strong></span></p><p style="text-align: center;"><img class="rich_pages wxw-img" data-galleryid="" data-ratio="0.6640141467727675" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarnEgyvqnO3GI5dyicdqgkuIanRhLY5QPibyDK2qcvnYDAVclGEfhJwKVw/640?wx_fmt=jpeg" data-type="jpeg" data-w="1131" style="" /></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">&nbsp;</span><br /></p></section><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us">城乡收入差距的变化,并不是看他们自己的涨幅多少,这个容易收到基数大小的影响,所以可以采用<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">收入倍数的变化</span></strong>来看。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us">2019年城里人是乡下人收入的2.75倍,2022年2.57倍,<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">城乡的收入差距缩小0.18</span></strong>,城镇化的动力在减弱。</p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;" /></p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><section style="font-size: 17px;color: rgb(249, 110, 87);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="font-size: 24px;color: rgb(136, 136, 136);"><strong>Question-4</strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 18px;"><strong>疫情以来,大家的收入来源有何变化?</strong></span></p><p style="text-align: center;"><img class="rich_pages wxw-img js_insertlocalimg" data-croporisrc="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiar0zQpZC2soLnNK5ZcCIvTf7ks66jialZyptFGWonnmlNKo0rcMzyCNeQ/0?wx_fmt=jpeg" data-cropx1="0" data-cropx2="640" data-cropy1="0" data-cropy2="390.32967032967036" data-ratio="0.609375" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarQBeE5Zzzib2aP1gcRIHbLRlUdbYic46l6wMZnk1sqvRoGRlOzxkueomw/640?wx_fmt=jpeg" data-type="jpeg" data-w="640" style="width: 546px;height: 333px;" /></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">&nbsp;</span><br /></p></section><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us">我们从表格中,可以看到收入有4个来源,要体现这4个来源收入的变化,同样不是看涨幅,而是看它们在总收入里头的占比变化,我们选择的对比维度是<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">细分收入来源/可支配总收入</span></strong>。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us">通过4项对比,我们可以发现,工资收入和经营收入占比分别降低0.20%、0.68%,财产和转移收入比例增加0.39%、0.48%。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;" powered-by="xiumi.us">简单来说,<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">打工做生意赚的钱少了,资产养老财政补贴多了</span></strong>。</p><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;" /></p><section style="font-size: 17px;color: rgb(249, 110, 87);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="font-size: 24px;color: rgb(136, 136, 136);"><strong><br /></strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="font-size: 24px;color: rgb(136, 136, 136);"><strong>Question-5</strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 18px;"><strong>疫情以来,居民开销的变化?</strong></span></p><p style="text-align: center;"><img class="rich_pages wxw-img js_insertlocalimg" data-croporisrc="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarKUJ28mQ7ibWFkf1SJLJfSgKA7cYu4cvTTzLAnEWYK1ucTRAwO7WibIdQ/0?wx_fmt=jpeg" data-cropx1="0" data-cropx2="900" data-cropy1="0" data-cropy2="433.51648351648345" data-ratio="0.48" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarcN9LQ2ibeOib0glUiadvucNBz1mfTqV6dFI2ClUGrwJSVHMgd3HEsg6xQ/640?wx_fmt=jpeg" data-type="jpeg" data-w="900" style="width: 546px;height: 263px;" /></p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);"><strong><span style="color: rgb(0, 0, 0);font-size: 16px;">&nbsp;</span></strong></span></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-bottom: 16px;text-indent: 0em;white-space: normal;box-sizing: border-box;">同理,我们选择的对比维度是<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">细分支出品类/消费性总支出</span></strong>。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">用于基础消费的<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">食品烟酒大幅提升2.5%</span></strong>,文化娱乐下降1.41%。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;"><br /></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="rich_pages wxw-img" data-ratio="0.36791314837153194" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIz5Dzzm84Wct9xS04aACQiar8LZ4bQow7uGkx0gCmD1ciaU6rQaXaXp4Xx3CdLdfmzXsEx4OF1wBT3w/640?wx_fmt=png" data-type="png" data-w="829" style="vertical-align: middle;width: 100%;box-sizing: border-box;" /></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-bottom: 16px;text-indent: 0em;white-space: normal;box-sizing: border-box;">这里可以延展出<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">恩格尔系数</span></strong>这个概念,即是食品支出总额占个人消费支出总额的比重,从国际定义的标准来看:(或许标准需要改一改):</p><p style="margin-bottom: 16px;text-indent: 0em;white-space: normal;box-sizing: border-box;">59%以上为贫困、50~59%为温饱、40~50%为小康、30~40%为富裕、低于30%为最富裕。</p><p style="margin-bottom: 16px;text-indent: 0em;white-space: normal;box-sizing: border-box;">当前我们是30.4%,整体已经处于一个富裕的状态,之所以难受或许是因为这个比例在提高,从“最富裕”回到了“富裕”的状态,所谓的“怀念2019”。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">个体与城乡略有差异,城乡方面的数据来看,农村为31.7%,城镇29.8%。</p></section><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;" /></p><section style="font-size: 17px;color: rgb(249, 110, 87);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="color: rgb(136, 136, 136);"><strong><br /></strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 24px;"><em><span style="color: rgb(136, 136, 136);"><strong>Question-6</strong></span></em></span></p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 18px;"><strong>疫情以来,收入差距变小还是变大了?</strong></span></p><p style="text-align: center;"><img class="rich_pages wxw-img js_insertlocalimg" data-croporisrc="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiar4iaK0O3Xb8X9etS6Q5MaCicK1TyQXgT4eYNMYJtOEGL9kKKppnHcBRRw/0?wx_fmt=jpeg" data-cropx1="0" data-cropx2="612" data-cropy1="40.35164835164835" data-cropy2="373.25274725274727" data-ratio="0.5441176470588235" data-s="300,640" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarFr9T3Uia9ibQyxa6mv852IyYqwkf7pNff8xdCCJZyqUagicqenYk5Jomg/640?wx_fmt=jpeg" data-type="jpeg" data-w="612" style="width: 546px;height: 297px;" /></p><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(0, 0, 0);"><strong><span style="color: rgb(0, 0, 0);font-size: 16px;">&nbsp;</span></strong></span></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-bottom: 16px;white-space: normal;box-sizing: border-box;">贫富差距是个很敏感的话题,即所谓的基尼系数,需要全样本的收入数据,这里我们没有,只能侧面的通过<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">平均值/中位值</span></strong>来体现,这个数值越大,说明被平均了越多。</p><p style="white-space: normal;box-sizing: border-box;">共同富裕的数据体现是<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">“正态分布”</span></strong>,而收入不均是<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">“幂次分布”</span></strong>。</p><p style="white-space: normal;box-sizing: border-box;"><br /></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="rich_pages wxw-img" data-ratio="0.4550898203592814" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarjglPLODPNYGcBWiaqialrWJ9bzogOWIkia07Lwgx9onwTS85Z8bjebBfw/640?wx_fmt=png" data-type="png" data-w="668" style="vertical-align: middle;width: 546px;box-sizing: border-box;height: auto;" /></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;box-sizing: border-box;"><img class="rich_pages wxw-img" data-ratio="0.6645807259073843" data-src="https://mmbiz.qpic.cn/mmbiz_png/AJkYaTAujIz5Dzzm84Wct9xS04aACQiarJGRrpRicPtiabZSuaESdN4E2aS4q4DYtyj5ZJj9BZqCJ4zph4sYJRuRw/640?wx_fmt=png" data-type="png" data-w="799" style="vertical-align: middle;width: 100%;box-sizing: border-box;" /></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;line-height: 1.6em;margin-bottom: 16px;"><span style="text-indent: 0em;">具体</span><span style="text-indent: 0em;">来看</span><span style="text-indent: 0em;">,2019年这个比值是0.869,2022年是0.842,从这个数据来看,这3年整体</span><strong style="text-indent: 0em;"><span style="color: rgb(0, 122, 170);box-sizing: border-box;">收入差距是缩小的</span></strong><span style="text-indent: 0em;">。</span><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">从问题出发,合理选择指标维度,再而进行解读。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;"><br /></p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;">以上就是对居民收支这个日常所见的数据表一些解读和分析,数据很简单,但内容及视角可以很多元,数据变化量看似不大,但<strong><span style="color: rgb(0, 122, 170);box-sizing: border-box;">宏观的经济会在微小的现实生活中体现得淋漓尽致</span></strong>。</p><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;"><br /></p></section></section><section style="margin-left: 16px;margin-right: 16px;"><span style="font-size: 16px;"></span></section><section style="margin-bottom: 0px;outline: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;text-indent: 0em;white-space: normal;font-family: -apple-system, BlinkMacSystemFont, &quot;Helvetica Neue&quot;, &quot;PingFang SC&quot;, &quot;Hiragino Sans GB&quot;, &quot;Microsoft YaHei 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