Bai Yansong overturned again This is the news that attracts me the most today, I clicked in and read it and found that it was completely a headline party. You can go and watch this original news film, and then listen to the interpretation of the ** after watching it and thinking about it. You have to admit that there is a hierarchy in this world. When the rich see the news, they think about it and smile; The poor will scold Bai Po, and the middle group has the most complex opinions, some agree, some resist, some scold, some agree, and some rub traffic, and so on.
Express your point of view:The rich have assets to pass on, and the economic behavior of saving and consuming everything has little impact on them; And other people other than the 4.8 million wealthy families have no assets, no wealth that can be passed on, and their greatest opportunity is not their own efforts but a rich society, and the way to make society rich is simple, that is, to continue to consume。We have different perspectives, and we will have different perspectives on the problem, so you can understand my analysis before you refute me.
Bai Yansong, I will not comment on his past positions and views, but I will talk about my views from this matter. Lao Bai's position is that people who have money dare not spend it, so he asked this question. If he can't open the pot, he must not be asking about this, but about making porridge today. Therefore, the matter of whether the people have money or not should be objectively divided into two paragraphs, how much money they have and what they consume, and behind this is the position of the respondent。Zhang San's monthly income is 4,000 yuan, which is the normal level of ordinary people in Xi'an, and his wife's family income is 8,000 yuan. If he doesn't rent a house or take out a mortgage, how much money can he take out to spend every month?
A, it depends on the willingness to save。If you want to save 8,000 yuan, it is unrealistic, take out 1,000 yuan to survive the limit, you can indeed save 7,000 yuan. Again, you will ask why you save money? What is the point of saving money. My parents save more than half of their income every month, they don't eat luxuriously but they have everything, they don't have a mortgage and don't need to pay their children, the purpose of their savings is to get used to it, and be prepared as the old saying goes. There is really no need to spend money under their low desire, and it is not that they dare not spend money in their mouths.
Another answer, there is no money to save when it is spent。A young couple who have no money left over after the completion of their monthly lifestyle consumption is done have no savings. Because spending money even requires the power of Huabei, that's what we're talking aboutDelicate poor。Young people have no pressure, they earn their own money and spend it themselves, and they go on trips as they say. This group of young people does not have the consciousness of living a hard life, and naturally they do not have the habit of saving; they take the route of "having wine today and getting drunk tomorrow, and never going back."
The two extremes of Chinese, facing birth, old age, illness, death, and education, choose to deal with it themselves. Save this habit,The first is the fight against uncertainty。In the face of tomorrow and accidents, Chinese families choose to save money to face it, whether it is good or gloomy, as long as there is a reserve of food, they will not panic; The second is the yearning for a better life。Save enough money to live the life you want, whether facing the sea or a fairyland on earth, that is the expectation of life and the sustenance of the soul. Whether it is uncertainty or a good life, you need a material foundation, and saving is the step to achieve your dreams.
The village took out a loudspeaker and shouted, "Let's go and consume." A lot of people scoff at me and want to scam me out of money? Lao Tzu just doesn't spend money. Putting aside the guidance of the village, can you talk about the economic logic of consumption? I was told,Because consumption can make businesses make money, then increase market vitality, provide more products to meet demand, further promote consumption, and ultimately drive industrial investment to revitalize the economy。The logic is very correct, the macro purpose of consumption is industrial upgrading, commonly known as the development of productive forces.
The ultimate purpose of consumption is to drive investment and industrial upgrading。Your consumption should be converted into corporate income, which will drive investment and expand the scale of the industry. The second question is, which can drive the development of the industry by buying a Huawei mobile phone or an Apple mobile phone? The answer is the same. The influence of Apple and Huawei can drive the upgrading of industrial support, such as Apple and Foxconn, Huawei and BOE. The only difference is that Huawei is Chinese, and there are populist sentiments in it, which doesn't matter.
You bought an Extraordinary Master and spent more than 10,000 yuan, and you did consume it, but what was the purpose of buying it? It is because of patriotic consumption, so you bought another mobile phone, when you hold two mobile phones and play ** can not improve your productivity, your consumption is a waste for you. Consumption is spending money, but it is not spending money at will. From a different perspective of the same scene, I gave the Extraordinary Master as a giveaway to the customer, which promoted sales, and the original 10,000 yuan he wanted to spend became 30,000 yuan, and your consumption is productivity.
In another case, it takes you 3 hours a day to clean and 1 hour to cook, and if you spend 5,000 yuan to hire an aunt to do these things for you. If you can produce more than 5,000 yuan a month for 4 hours a day when you are replaced, then the consumption you hire your aunt is added value. It's like the boss hired an employee to put him in charge of logistics, and gave this person a salary of 5,000 yuan a month, which is to replace the boss's time to do more valuable things, instead of being lazy.
The essence of consumption is exchange, and the act of exchanging the surplus resources generated by you for the surplus resources produced by others is a necessity of life. Money has served as a tool for improving the efficiency of education, and the transition of paper money to electronic payments has further improved the efficiency of transactions. And the more frequent the exchange, the higher the circulation and circulation of goodsAt this time, the social economy is a spinning pig's bank, wealth flows through everyone's hands, although you don't have it completely, but your cash flow is not stuck, and you will still live freely
This brings me to the second point I want to talk about credit consumption . You bought a notebook with Huabei in advance and repaid it in 12 installments, as long as you have not been laid off within 1 year, there is no pressure on the monthly repayment, although you have no deposit, but you can still consume relatively large items in addition to eating and drinking. What credit do you spend on your ownBecause you have a job to pay off your debts, you can leverage your spending。You have a job, there is a cause, your company is also creating the ability to meet the needs of others, and everyone is thereMake the surplus and then take it for exchange
When this surplus is a necessity, the trading level is 1, and the wealth is of a smaller magnitude at this time; This surplus is necessary for productivity, when the transaction level is 2, and the magnitude of wealth is larger; And when this surplus becomes a surplus of non-essential goods, the transaction level is 3, and the social wealth is very large. This kind of argument is not very rigorous, and it mainly wants to express that the development of productive forces and the pursuit of a better life have brought about an exponential increase in social wealth。Everyone will store the small amount of money in the society, exist in circulation, and beat the big A and real estate reckless **, not with the mud but with the pie.
The development of productive forces will lead to a surplus, and to digest the excess is to consume it. In the past, it was foreign trade consumption in Europe and the United States, but now they don't want it, so we have to boost domestic demand and find new consumption objects. The reason why consumption in the stock market does not move is that the characteristics of the Chinese since ancient times, when uncertainty increases and a better life is not visible, they will naturally not consume。To solve this problem,Uncertainty must be addressed first。Through the reform of pension, medical care, and education, I will not be like the experts say, the last breath before the last breath is the job.
When the state shows the greatest goodwill to protect our pension, medical care and education problems, we will also actively respond and cooperate. For example, I save for the third level of retirement, I work hard to exercise and eat a healthy diet, and at the same time, I will teach my children according to their aptitude, so that my children will become a better version of themselves instead of my expectations. We went both ways, and that was the biggest thing I could do。At the call of the state, I will not hesitate to spend on the increase in my productivity, such as the recent purchase of new computers and monitors to replace the equipment I have used for three years.
Don't complain about the unfairness of society, that's no use at all. Society must be pyramid-shaped, the top people are inherited, the class jump is only at the time of the founding and the middle and lower classes, you will get better resources to become a tool to provide services to the upper class to get better benefits, and besides you will not have any changes. Your little wealth is not enough, and if there is not much inheritance, the final destination is still spent。Make yourself happier through the wealth you create, believe that your children and grandchildren have their own children and grandchildren, and you are just an urn after you die.
Finally, on my position. I don't have any need to talk to the rich because they're going to pay to listen to me, and they're going to be more focused. And the rest of the crowd, I would say is:The people who hurt you are always for your good, and the people who tell the truth are the ones you don't like to hear. We have no entanglements of interests, I don't need to be good for you, I just want to talk about a truth. If you listen to the benefits, you will pay attention to them and like them; If you think I'm staining your eyes, I'll block it, and I won't care if you comment on me. I am an unbridled author of a small essay on economics, and I dare not speak up.