When things go wrong, there must be demons ! Ordinary people have no money? Four anomalies have em

Mondo Social Updated on 2024-02-21

When things go wrong, there must be demons"!

After three years of the epidemic, I thought that the domestic economy would be able to usher in a recoveryMajor industries are waiting for so-called revenge spending.

Unexpectedly, not only did the economic recovery not waitThe phenomenon of consumption downgrade has a tendency to worsen, and even leads to four "abnormal" phenomena in society.

Could it be that the common people have no money? What are the four "abnormal" phenomena that have emerged?

As China's economy enters a new normal in 2023,The already struggling banking sector is even more difficult. Faced with the dilemma of narrowing interest rate spreads, banks have announced lower deposit rates.

For a time,The "wave of interest rate cuts" swept the countryCausing dissatisfaction among the majority of depositors. However, it has also prompted people to rethink how to better avoid risks and achieve financial freedom.

The wave of interest rate cuts has been accompanied by a sharp decline in deposit rates, which have now fallen below 3% for three-year depositsThe one-year term is only about 2%. This has undoubtedly brought a loss to the income of depositors.

However, it is more noteworthy thatSuch a move also reflects the dilemma faced by commercial banksOn the one hand, they have to lower interest rates to reduce their own cost pressures, and on the other hand, they urgently need to drive capital flows and stimulate economic development. Against this backdrop, the losses of savers seem to be insignificant.

More worryingly, the uncertainty caused by the pandemic has further exacerbated depositors' anxiety. It has gone through a long process of prevention and controlMany people worry that they will lose their jobs or get sick one day.

So, despite the fact that the earnings are decreasing,People still choose to keep their money in the bank as a backing。Unlike venture companies, the safety of bank capital and interest is relatively guaranteed.

This is a reflection of the fact that depositors are not afraid to take further risks at the momentThis also allows banks to manipulate interest rates more freely.

At the same time, ** and bank wealth management products,The performance of other investment channels is also not optimistic. In the three years of the epidemic, most investment products have lost money to a greater or lesser extent.

Although interest rates are falling, profits are fallingBut at least the principal will not suffer a significant loss。This further confirms depositors' worries and uncertainties about the future.

China's banking sector is experiencing a wave of across-the-board interest rate cuts. Against the backdrop of narrowing spreads,Commercial banks have had to cut interest rates to reduce cost pressures.

At the same time, there is a huge uncertainty caused by the pandemicIt also prompts depositors to pay more attention to the safety of their funds. As a result, despite the decline in returns, people continue to choose the relatively conservative method of bank deposits.

At present, our country is facing a serious demographic problem, and the birth rate continues to decline or even lower than the death rateThe population growth rate has turned negative. In order to encourage childbirth, the state has successively liberalized the two-child and three-child policies, but these policies have not achieved the expected results.

In fact, these policies have not been responded to by young people, and some people over the age of 40 have become policy practitioners. The root of this difference lies in:The ideas and perceptions of parenting among the younger generation have changed.

In the face of the country's open-door policy,Many post-80s and post-90s generations even showed a cold and resistant attitude. They don't think they're ready to have their first child, let alone a second or third.

Even if you are married,They will also delay childbearing or reduce the number of children as much as possibleIn contrast, groups over 40 years old are actively asking for second and third children to seize the policy dividend.

This discrepancy is a product of the changing times, and the generation over 40 grew up in a planned economyThe stress and cost of life are relatively low, and it is relatively easy to have children.

However, the younger generation is growing up in a completely different environment, facing high housing prices and fierce competition for jobsand the consideration of the cost of children's education.

The way young people raise their children has changed, no longer survival first, but focus on all-round development. In their opinion, giving birth to a child is not just as simple as adding an extra pair of chopsticks, the key is to cultivate the best talent in the child.

However, the cost of education is high, basic education is also facing flooding, and parents are worried about their ability to provide for themselvesDare to increase the child easily. Anxiety about the future of children has become an important factor in the weakening of fertility intentions at this age.

In fact, individual families can'tNor should the responsibility for resolving this issue be borne alone. It is necessary for all walks of life to work together to reduce the pressure on young people to have children.

At the policy level, the state can increase maternity and education allowances, reduce mortgage interest rates, etcReally make young people feel supported to have children. At the same time, we should increase high-quality educational resources, reduce competition for further education, and give children equal opportunities for development.

Only when all parties work together can young people have peace of mind, the country's population structure can be effectively optimized. Looking forward to the future, I believe that with the joint efforts of all sectors of society, China's population issue will eventually usher in a turning point.

In the past, people always pursued famous brands and luxury goods, sparing no expense to satisfy vanity, and nowadays,This perception of consumption is changing. More and more people are beginning to pursue affordability, valuing the practicality of goods rather than brand effect. This trend is reflected in all aspects of life.

People's choice of buying goods has changed, and the big brands that used to be blindly sought after no longer have absolute charm in the minds of consumers. Instead, there are affordable shops and supermarkets that offer better value for money.

Designer handbags and clothes give way to bargains on the discount marketAs a result, the sales of many big brands have declined, and many luxury stores have even closed down.

Some of the daily necessities that used to be necessary for families have now become extravagantIn the past, every household stocked up on basic household items such as flour, rice, and cooking oil, which formed the basis of daily life.

However, with the changing economic environment and the rising cost of living,These were once considered everyday necessities, which is also gradually climbing, making many families have to be careful when buying.

Especially when it comes to food, vegetables, fruits, etc. used to be a regular guest on every family's tableBut now it has become a "luxury option" that many people need to work hard to save money to enjoy occasionally.

In the past,A family may buy fresh vegetables and fruits every dayNow, due to the loss of income and income, many people can only choose to buy cheaper processed foods or alternatives. This phenomenon not only affects the eating habits of the family, but can also have a negative impact on people's health.

In addition, with the improvement of the standard of living,People are also demanding more and more about the quality and safety of foodHowever, the high quality of food tends to be high, which puts many families under tremendous financial pressure while pursuing a high quality of life.

To meet this challenge,:Many families are turning to food for better value for money**, such as attending**, buying discounted items, or choosing to buy ingredients at the farmer's market to reduce the cost of living.

This phenomenon of "consumption downgrade" reflects the decline in the income and purchasing power of many households, in the case of stagnant or even declining income growthHouseholds must adjust their consumption patterns to ensure that basic survival needs are met.

This shift doesn't just affect an individual's quality of lifeIt has also had a profound impact on the consumption structure and economic conditions of the whole society.

This change is mainly due to the slowdown in domestic economic growthHousing prices are high, and the pressure on pension and children's education has intensified, all of which reduce people's spending power.

In the face of economic uncertainty, consumers have become more rational and cautious. **Measures should be taken to stabilize prices, boost confidence, and increase employment opportunities to stimulate domestic consumption and drive the economy to improve.

The future of consumption is uncertain, but one thing is certain: rational consumption and a pragmatic attitude are likely to continue. Everyone should review their own consumption outlook and control unnecessary spendingHave plenty of financial emergency funds for yourself and your family.

In recent years,The word "lying flat" appears frequently in discussions among young peopleThe so-called "lying flat" refers to facing the pressure in life, choosing to slow down and live a leisurely life.

During the pandemic, many people have experienced life and deathAs a result, I have a deeper reflection on life, they began to question that the value of running around for the sake of career and money is **. As a result, some people choose to quit their jobs and return to the countryside to live, or travel around to enjoy the moment.

This "lying flat" attitude to life,It seems to be the envy of many urban white-collar workers. However, we must also be soberly aware that long-term idleness is not the best policy.

First, it hinders the development of the individual. People who have no goals and pursuits can easily fall into decadence and laziness. Second, this way of life is not sustainable. No income**,The quality of life is also bound to decline. Third, if too many people choose to "lie flat", the productivity and economic growth of society will also be affected.

In the fast-paced modern life,People are often under tremendous pressure, whether it's from the challenges of work or the burden of life. Therefore, choosing to "lie flat" at the right time, that is, temporarily letting go of these burdens and taking a short break and relaxation, is actually a necessary maintenance of physical and mental health.

This "lying flat" can be a weekend outing, or a late-night movie, or even just a moment of meditation or deep breathing. These activities help us to relieve tension and restore energySo as to better devote themselves to the future work and life.

However, we must be clear about one thing:Occasional relaxation is not the same as long-term idlenessShort-term "lying flat" is to recharge and adjust, but long-term inaction can lead to the degradation of personal capabilities and the loss of social skills.

A person who has been in a state of "lying flat" for a long time may gradually lose control of their lifeBecoming lost and negative can end up in a vicious cycle of self-denial.

Finding balance in life is crucial, and we should not pursue material possessionsand sacrificing their own health and well-being。True success and happiness are based on inner fulfillment and love of life.

In short, we should look at "lying flat" rationallyThink of it as a means of regulation rather than a way of life。At the same time, we need to try to find what we are truly passionate about and continue to work on it. Only in this way will our lives be full of vitality and our hearts will be filled with joy.

"Anomalies" in society,It really brought us a lot of challenges and reflectionsOn the one hand, we need to recognize the underlying reasons behind these phenomena, such as the slowdown in economic growth and the increasing pressure on employment, and at the same time, we need to see the social progress and maturity of consumption concepts that they reflect.

On the other hand,We should cherish the existing happiness and face the difficulties we may encounter in the futureConstantly improve your ability to respond to the ever-changing world.

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