Internet celebrity economist Ren Zeping called for reducing the interest rate on residents' savings deposits to zero to stimulate consumption. Wu Xiaoping, another economist, felt that it was not enough to reduce the interest rate on savings deposits to zero, and called for the interest rate on savings deposits to be reduced to negative and savings deposits to be paid custody fees in order to stimulate the economy.
If this view is the conclusion of economic research, then the study of the economy is simple labor. Should the interest rate on residential loans be lowered to a negative number?
The interest rate on savings deposits has dropped to negative, and the author does not know how to arrange for wealthy families, but the majority of small people in Shengdou will definitely take out that limited savings deposit and put it at home. In order to prevent cash theft, a safe will be purchased to store cash. If the state follows the idea of expert Wu, the economic effect will be a large increase in the output of safes.
Economist Li Xunlei mentioned in an article on "Yicai**" on December 5, "According to the survey data published by the China Income Distribution Research Institute of Beijing Normal University in 2021, the population with a monthly income of less than 2,000 yuan in China is 96.4 billion". Some professionals believe that the data mentioned by Li Xunlei is wrong after consulting the data of the National Bureau of Statistics, and the population with a monthly income of less than 2,000 yuan in 2022 should be 5-600 million. 5-600 million is 40 percent of the total population
In 2022, China's per capita GDP will be 1$270,000, touching the bottom line of developed countries, but the distribution gap is too large, and there are huge low-income people.
At the same time, there are three mountains above the heads of the people:
First, high housing prices. High housing prices have emptied the savings of several generations of families, and it is not enough, they have to take out loans, and the current housing loans for residents are 40 trillion yuan. Those who spent all their savings and took out loans to buy houses are all middle-income families and above. Low-income families cannot afford to buy a home or borrow money.
It is useless to stimulate "house slave" families and low-income families to increase consumption and stimulate the economy.
Second, high medical costs. According to statistics, more than 7 trillion yuan entered the medical system in 2022, of which more than 2 trillion yuan was paid by patients' families. The author once wrote an article arguing that under the current medical system, there is a huge waste of more than 7 trillion medical expenditures.
Improve the social medical insurance system, implement free medical care, and save more than 2 trillion yuan paid by patients' families.
Third, high tuition fees. For families with lower middle incomes, high tuition fees are a big burden.
If the three mountains do not go, it is difficult to stimulate consumption.
At present, we can learn from the 08 financial crisis, the state arranges financial subsidies to support the price reduction of household appliances to the countryside, and the upgrading of rural household appliances drives the experience of the economy, in the implementation of the rural revitalization project, the financial subsidies support automobiles, agricultural machinery, household appliances, and other products required for rural revitalization to reduce the price of the countryside, which can achieve the double effect of rural revitalization and stimulating industrial production.