As we all know, since the emergence of the epidemic, many people's attitude towards life has changed, especially when it comes to savings.
However, after the epidemic, the concept of consumption has changed greatly, and revenge consumption has not appeared, but revenge deposits. According to the data, in the first three months of this year, residents' deposits increased by nearly 10 trillion yuan.
From consumption to savings, this is a consideration of the uncertainty of the future, in case of similar things happen again, it will not be too passive, and only by having food in hand can we not panic. When deposits increased, banks also lowered deposit interest rates accordingly, so business tycoon Ma Yun bluntly said: People with deposits in their hands will face two serious problems in the past two years.
The first question: deposits will shrink, ordinary people have limited financial channels, basically deposit in the bank for a fixed period of time, and obtain interest income. But nowadays it is also difficult for banks, the main income of banks is loan interest, and someone must take out loans to protect the income.
In recent years, enterprises have difficulties in operation and the risk of default has increased, so bank loans are more cautious. The most important thing is that the property market environment is like this, there are fewer people who buy houses, there are fewer people who take out loans, and the idle funds of the bank cannot be released.
In fact, it is really difficult for ordinary people, money depreciates faster in their hands, and banks cannot beat inflation.
The second problem: investment channels are limited, if there is no bank, then the people's investment channels are nothing more than buying houses, ** and other financial products. However, you must know that the basis for the profitability of these high-risk financial products is the stability and prosperity of the economy, for example, as in the past, the property market was hot, the consumption power increased, enterprises could naturally make profits, and the people's investment could also be gained, otherwise, the possibility of loss was greater.
In short, for ordinary people, it is better to be still than to be still, do a good job in asset planning, and improve the ability to resist risks is the first place, and do not blindly follow the trend.
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