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【中等收入知识百科】中等收入陷阱是什么意思 中等收入国家标准→MAIGOO知识
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class="mod_biaoqian"> </dd> </dl> <dl class="mod_list font14 line18em"> <dt class="font18 b">目录</dt> <dd class="oneline"> <a href="#modellist-862440">中等收入的标准</a></dd> <dd class="oneline"> <a href="#modellist-862444" target="_blank">中等收入群体特征</a></dd> <dd class="oneline"> <a href="#modellist-862446" target="_blank">中等收入陷阱是什么意思</a></dd> <dd class="oneline"> <a href="#modellist-862448" target="_blank">中等收入主要成员</a></dd> <dd class="oneline"> <a href="#modellist-862452" target="_blank">中等收入如何买房</a></dd> <dd class="oneline"> <a href="#modellist-862454" target="_blank">中等收入如何买车</a></dd> <dd class="oneline"> <a href="#modellist-862456" target="_blank">中等收入如何投资理财</a></dd> </dl> </div> </div> </div> </div> <div id="modellist-862685" class="md_9999 modelbox mod_title tleft" model-fun="BindLinkTop"> <div class="mod_body"> <div style="text-align:center;"> <img src="https://image.maigoo.com/upload/images/20180424/14291617114_840x539.jpg" alt="" /><br/> </div> </div> </div> <div id="modellist-862440" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 1 </div> <div class="mod_word"> 中等收入标准 </div> <div class="clear"></div> </div> </div> </div> </div> <div id="modellist-862443" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p><span><strong>1、物质财富</strong></span></p> <p>收入和财产：“收入中等，宽裕有余”。</p> <p>标志：在房有车，有一定的金融资产。中国社会的小康生活水平是中间阶层的中国式表达。</p> <p><strong>2、精神财富</strong></p> <p>职业声望和自我认同：职业稳定性。</p> <p><strong>社会评价：</strong>因资本经济的崛起，知识分子、白领、专业人士常是中间阶层的近义词。</p> <p><strong>社会认同：</strong>因中间阶层意味着一种人人和家庭的有尊严、可持续的生活形态，所以社会认同率高，社会大众都想成为中间阶层。说明一个社会在生活态度上的积极上进。中国至今城乡居民的人均收入水平有很大提高，但是中等收入人群的比重并没有明显提高。因社会的收入差距不断扩大，城乡之间收入分配状况没有得到改善。并且低收入人群的收入增长低于平均增长速度，在收入差距扩大的情况下，低收入人群的比重会随之增加。要使中等收入群体扩大必须使低收入群体的收入增长超过平均增长速度。<a href="https://www.maigoo.com/zhishi/156829.html" target="_blank">【详细】</a></p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862444" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 2 </div> <div class="mod_word"> 中等收入群体特征 </div> <div class="clear"></div> </div> </div> </div> </div> <div id="modellist-862445" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p><span><strong>1、教育文化特征</strong></span></p> <p>受过相当水平教育、有文化程度（在城市具备高等职业、大学以上程度，在农村具备高中、中专、中等职业以上程度）；有专业技能、有文化素养、善于不断学习和充电。</p> <p><strong>2、个人修养和思想品德特征</strong></p> <p>有思想、有企图心，有事业心，有品德。情商良好，在城市有教养、有修养、有品位；在农村有影响、有乡行、知书达理。遵守国家法纪、社会公德、职业道德和家庭美德。</p> <p><strong>3、职业特征</strong></p> <p>主要有国家公务型、技术科研型、经营管理型、市场营销型、自由职业型、富裕农民型。</p> <p><strong>4、社会消费、生活方式特征</strong></p> <p>吃、穿、用中档宽裕，有存款或有资产，有房有车、有休闲娱乐和文化旅游，未来生活有保障，劳逸得当，游乐适可，保健及时，身体健康等。</p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862446" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 3 </div> <div class="mod_word"> 中等收入陷阱是什么意思 </div> <div class="clear"></div> </div> </div> </div> </div> <div id="modellist-862447" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p>“中等收入陷阱”是指当一个国家的人均收入达到中等水平后，由于不能顺利实现经济发展方式的转变，导致经济增长动力不足，最终出现经济停滞的一种状态。</p> <p><span>人民论坛杂志在征求50位国内知名专家意见的基础上，列出了“中等收入陷阱”国家的十个方面的特征，包括经济增长回落或停滞、民主乱象、贫富分化、腐败多发、过度城市化、社会公共服务短缺、就业困难、社会动荡、信仰缺失、金融体系脆弱等。<a href="https://www.maigoo.com/zhishi/156828.html" target="_blank">【详细】</a></span></p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862448" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 4 </div> <div class="mod_word"> 中等收入的主要成员 </div> <div class="clear"></div> </div> </div> </div> </div> <div id="modellist-862449" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p>从字面上理解，“中等收入者”就是收入中等的人。换言之，从经济地位、政治地位和社会文化地位上看，他们均居于现阶段社会的中间水平。根据财政部有关专家的分析，中国城镇人口户（一般按3口之家计算）均税前收入6万-20万元，就是中国比较标准的“中等收入者”。户均收入6万元是中等收入群体的起点，这个起点与2000元的个人所得税起征点是相吻合的，在中国缴纳个人所得税者都是中等收入者。2011年中等收入阶层标准上升到8000--15000每月收入，达到的人不多。<a href="https://www.maigoo.com/zhishi/156829.html" target="_blank">【详细】</a></p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862452" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 5 </div> <div class="mod_word"> 中等收入如何买房 </div> <div class="clear"></div> </div> </div> </div> </div> <div id="modellist-862453" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p><strong>中等收入买房攻略</strong></p> <p><strong>1、买房原则</strong></p> <p><span>其一，租房不如买房；其二，买房不仅要买得起，还要住得起，并且所买的房要具备“投资”潜力。其三，首次置业以挑选适合目前需求为基本准则，否则每个月的日常花费、供房款、物业管理、水电煤气等费用可能会压得人喘不过气来。</span></p> <p><strong>2、财产评估</strong></p> <p>首先，为避免“买房增加生活负担”这一风险，购房前，先对自家的财产做周密细致的评估，根据自己的经济能力找出相应的地段和楼盘，要比找完房子再算价钱明智得多。</p> <p><strong>3、考虑购房后的家庭收支</strong></p> <p>要考虑购房后的家庭开支情况，计算家庭收入时应侧重固定可靠的来源，预留日常开支，购房还贷支出只占到家庭总收入的30%以下比较合适。但如果收入预期增长前景比较看好，也可以适当提高比例。</p> <p><strong>4、清算“现金流”</strong></p> <p>买房前要清算一下自己现有的存款、现金、可以套现的股票等。根据“现金流”，考虑付款方式和所能支付的首付款，从而考虑所购买的房子的总价。</p> <p><strong>5、单身族：追求实际</strong></p> <p>单身人士购房带有明显的过渡性质，既要考虑眼下居住的方便，还应考虑日后转手，购买时总价低是关键。可以选择小户型，总价最好控制在20万元以内，交房标准最好为毛坯房。在楼层、朝向、采光等细节问题上，则无需过分计较，便宜实惠才是上策。在付款方式上，建议采取银行按揭。</p> <p><strong>6、年轻夫妻：两房较适宜</strong></p> <p>年轻夫妻虽然已婚，但积蓄不多家庭月收入较高，在购房时也会得到父母的赞助，因此地理位置也是购房时首选因素，对交通、配套、小区品质的要求较高。购房时最好选择两房单位，考虑小孩或长辈同住，70平米左右小户型，总价控制在25万左右的新房、二手房均可，只要交通方便，周边配套齐全，以后换大房还可以用来出租。</p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862455" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p><span style="line-height:2em;color:#333333;"><strong>中等收入买房装修产品推荐<br/> </strong></span></p> <p><span style="line-height:2em;color:#333333;"><strong>您可能感兴趣：<a href="https://www.maigoo.com/best/8163.html" target="_blank">【小户型选购指南】</a> <a href="https://www.maigoo.com/best/8117.html" target="_blank">【小户型装修设计方案】</a> <a href="https://www.maigoo.com/best/8185.html" target="_blank">【中户型选购攻略】</a> <a href="https://www.maigoo.com/best/8175.html" target="_blank">【二手房选购攻略】</a> <a href="https://www.maigoo.com/best/7981.html" target="_blank">【装修房子要多少钱】</a></strong></span></p> <p><span style="line-height:2em;color:#333333;"></span></p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862454" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 6 </div> <div class="mod_word"> 中等收入如何买车 </div> <div class="clear"></div> </div> </div> </div> </div> <div id="modellist-862527" class="md_4015 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont bdcolor"> <div class="mod_border bdcolor line18em font14 p fcolor26"> <p><span><strong>1、量力为出</strong></span></p> <p><span>随着私家车越来越多地进入我们的生活，成为家庭的一部分，人们的生活因为有车而更加便捷。但是中等收入家庭买车一定要考虑家庭实际情况，买车的价位最好不要超过家庭两年的收入。买车别攀比，改装和增加配置设施要量力而行，还要充分考虑油耗和维修费用以及配件价格。从目前轿车市场看，价位在</span><span>10到20万元之间的中档车为众多中等收人家庭所钟爱。</span></p> <p><span><strong>2、追求实惠就买经济型轿车</strong></span></p> <p><span>经济型轿车会成为中国轿车市场的消费主流。中等收人家庭购车主要是为了出门方便，提高工作效率。同时，考虑到轿车使用费用每年大约在1-2万元之间，因此，购买经济实惠、节油、维修方便的小型轿车是明智的选择。夏利、吉利美日、羚羊、悦达等不足10万元的车可圆你的轿车梦。</span></p> <p><span><strong>3、考虑体面不妨选购中档车</strong></span></p> <p><span>以一个年收人6万元的家庭为例，该家庭平均月收人为5000元，除去必须的生活用品月支出一年花销为3万元，银行存上5000元以备急用，剩下2.5万元可用作买车。买一辆价格为10万元的车带要四年时间才能实现，如果要提前购车则必须贷款。价格虽然比经济型轿车高一些，但外观、性能均比经济型轿车略高一筹。追求体面又不想花太多钱的人士可考虑选购中档车。</span></p> <p><span><strong>猜您喜欢：</strong> <a href="https://www.maigoo.com/zhishi/156219.html" target="_blank">【10-15万买什么车好】</a> <a href="https://www.maigoo.com/best/8322.html" target="_blank">【15-20万买什么车好】</a> <a href="https://www.maigoo.com/zhishi/156584.html" target="_blank">【20-30万买什么车好】</a> <a href="https://www.maigoo.com/zhishi/156311.html" 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<p><span>家庭保障能保证家人的正常生活免受影响，特别是家庭主要收入来源者，一旦遇到不测，家庭经济就会受到重创，此时家庭保险就显得尤为重要，它能尽量让家庭经济损失最小化。买保险产品首先买纯保障类险种，如意外险和意外医疗保险，再买子女教育险等保险。意外医疗保险一般能满足普通家庭防范健康意外风险；再增加重大疾病、住院医疗保险等，能最大程度地保障家人健康，也避免家庭经济遭受重大影响。</span></p> <p><span><strong>3、可以配置30%的银行理财产品</strong></span></p> <p><span>银行理财产品虽然收益低，但投资风险小得多。近年来，各家银行纷纷推出各式各样的金融理财产品，让投资者们不知作何选择，理性地选择银行理财产品非常必要。综合该家庭经济状况，可选择3个月到半年期的、收益在5%左右的保本型理财产品。</span></p> <p><span><strong>4、可以配置20%的银行存款</strong></span></p> <p><span>每个家庭都应准备足够的备用金以应对突发事件等意外情况，但预留过多的现金，则在一定程度上减少了投资收益。因此建议该家庭目前可配置20%的银行存款来应付日常生活开销及突发事件。</span></p> <p><span><strong>5、可以配置40%的高风险资产投资</strong></span></p> <p>如基金、股票等。选择基金时，尽量选择品牌好、知名度高、股东背景好、没有违规记录的基金公司。除了一些具有鲜明特点的基金外，老基金比新基金更具有优势。买基金时还要善于分析，切忌喜新厌旧，还要关注基金业绩排名。股票风险更大，购买时需要更加谨慎小心。</p> </div> </div> <div class="clear"></div> </div> </div> <div id="modellist-862563" class="md_2004 modelbox tleft" model-fun=""> <div class="mod_body"> <div class="mod_cont"> <div class="mod_title fcolor font24 line1halfem"> <div class="li bgcolor fcolor30 tcenter"> 8 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