Savings have always been a traditional Xi of the Chinese people, stemming from the uneven development of society and the need for family stability. Although the state pushes consumption and banks lower interest rates, Chinese's preference for savings is difficult to change. In the meantime, this article will look out for the reasons behind the large savings to help readers better understand and manage their finances.
China's poor people are the majority, and the uneven development of society has led to people's perception of savings. Saving money has become a guarantee for children to start a family and a stable family. Even when the state advocates consumption and banks reduce deposit rates, the concept of saving in Chinese is still deeply rooted in the hearts of the people. However, the only way to change this is to raise per capita income.
In the third quarter of 2023, China's RMB deposits increased by about 2.2 billion yuan. Among them, household deposits accounted for about 1.4 billion yuan, and the average monthly increase in household deposits was 1About 600 million yuan. However, due to China's large population base, most people are unable to achieve the increase in savings per capita. Comparatively speaking, most of the people who have more savings are business executives, retired cadres, self-employed people and freelancers. These groups have relatively high incomes and relatively high levels of consumption.
For ordinary office workers, those with a deposit of more than 200,000 yuan are a minority. Due to the relatively low level of wages of office workers, they have to repay loans and pay various expenses every month, and there is very little money left to save. At the same time, office workers are more secure than self-employed and freelancers, without worrying about how much they will earn** tomorrow or what they will do with large amounts of savings.
However, people who have more savings have other troubles. As banks continue to lower their deposit rates, they are starting to wonder whether deposits should remain in the banks. As the backbone of society, they have a certain amount of savings, but lack investment knowledge and entrepreneurial ability, which leads to the inability to use their funds effectively.
1. The impact of commodity prices
Prices are also rising at a breakneck pace due to the rise in domestic consumption levels**. The details of life can make people clearly feel the pressure of prices. For example, when eating out, you used to be able to eat a good pasta for 10 yuan, but now the same pasta has been about 20 yuan. The ** of takeaway is also rising, and a 20 yuan takeaway is enough to make people marvel at its cheapness. The price of goods affects people's perception of saving and consumption.
In addition, the depreciation of the renminbi in the international exchange rate and ** exchange rate has also caused headaches. Despite the desire to preserve the value of the renminbi, the reality is that the renminbi is constantly depreciating, which makes people feel powerless and anxious.
2. Consideration of investment risks
For those with large savings, investing is a matter of consideration. Although there are many investment channels to choose from, such as Alipay, **, etc., with the development of the financial market, more and more financial ** have also begun to surface. Even if it is a relatively low-risk **, there are many ordinary people who are deceived by the exaggerated propaganda of the **manager, resulting in the inability to withdraw funds.
However, investment methods such as **, bonds, and ** are more risky, and once they fall into it, it is difficult to get rid of it. In the case of A-shares hovering around 3,000 points for a long time, many shareholders have become a reality. In order to get out of this predicament, it is not enough to increase one's investment ability and learn Xi financial knowledge, and risks in the financial market are everywhere.
3. The challenge of entrepreneurship
Starting a business may be an avenue that some people with large savings in hand consider considering, but it's not for everyone. There are more people who fail to start a business than those who succeed in starting a business. Many people are attracted by all kinds of self-promotion and stories of successful entrepreneurs, and are excited to learn about the entrepreneurial field, but in the end they find that there are a large number of people who recommend the same entrepreneurial model because it can bring them benefits. In fact, many so-called successful entrepreneurs have long been based in the market, and for those who have just entered the entrepreneurial field, it is difficult to find a suitable entrepreneurial path for themselves.
Financial management is an important topic for people with large savings. Prices**, investment risks, and entrepreneurial challenges all plague them. In the face of these problems, we need to take appropriate measures according to individual circumstances. For example, Xi financial knowledge, find suitable investment channels for yourself, seek professional financial advice, etc. At the same time, it is important to realize that wealth is not the only sign of success, and that the happiness of the family is just as important as security. Most importantly, we should be cautious about all kinds of investment and entrepreneurial opportunities, manage risks, choose the way that suits us, and maintain a rational and cautious attitude. No matter how much money you spent, the key is to be able to keep your family stable and happy.