I don't know if you have noticed a key economic data, according to the latest data released by the central bank: as of the end of January, the balance of broad money (M2) was 29763 trillion yuan, a year-on-year increase of 87%, which is far more than twice the scale of GDP in 2023. Do you know what this data means?
From an economic point of view, M2 can be said to be positively correlated with inflation, which refers to the amount of money in a broad sense, including bank time deposits, users' margins, etc. M2 actually represents the purchasing power of the country's currency, and if the growth rate of M2 increases, it means that the monetary aggregate of the whole country is also rising. And the growth rate of M2 is too fast, which means that inflation is coming for ordinary people.
It is worth mentioning that although the over-issuance of currency in China in January was relatively severe, we did not find obvious inflation, what is going on? There are 2 reasons behind this.
The first is that a large amount of over-issued currency mainly flows into infrastructure, urban investment and other fields.
It is very simple to know that where there is more money, inflation will occur in that field. For example, in the past few years, a lot of money has poured into the real estate industry, which has caused housing prices to skyrocket. However, this time, a large amount of funds were prohibited from flowing into the property market, but were spent on infrastructure construction, urban investment, etc., just used to solve the city's old building transformation, urban planning and construction, etc., so the people will not feel the impact for a while, the most intuitive may be that the construction site work has increased, that's all.
The second is that because **, the property market, etc. have lost the effect of making money, so a lot of money has not entered ** at all; And due to the sluggish market consumption, a large amount of money has not entered the enterprise, because the enterprise cannot make money, and dare not invest blindly, which is the actual situation; Of course, it is inevitable that the excess money has also entered the field of life to a certain extent, such as food and daily necessities, so everyone will find that the price of fruits and daily necessities has risen to a certain extent, which is also a normal phenomenon.
Of course, with so much extra money, no one dares to guarantee that it will not flow to the fields closely related to the people in the future, because the current international situation is not optimistic, the rise in commodity prices, and the continuous increase in oil prices have always accompanied the risk.
Therefore, some industry insiders reminded: it is best for ordinary people not to do three things this year.
There is a very simple truth in the investment circle, called "big rivers have water and small rivers", but the current situation is that there is no water in big rivers, let alone small rivers and streams. This tells us that when the global economic environment is not in a good situation, the most important thing to pay attention to is to keep your money bag, don't easily listen to the advice of friends or relatives, and not blindly invest has actually surpassed many people.
In the past, when the economy was relatively good, everyone rushed to consume ahead and enjoy life in advance, because the income was stable and the repayment pressure was not great. However, the situation has changed in the past two years, and it has become more and more difficult to earn money, and if the previous consumption habits are continued, the family economy may have problems as a result.
I believe many people have noticed that in recent times, the news of buying a house has been coming out frequently, either reducing the mortgage interest rate or reducing the down payment ratio, and some places even directly discounting the house price, in this case, many people may not be able to help but take out a loan to buy a house.
But here I sincerely give you a piece of advice, that is, don't buy a house impulsively, even if you have to buy, it must be within your means, and the monthly payment cannot exceed your own repayment ability.
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