The three major "problems" are unsolved, how can the people dare to consume
In recent years, the six major banks have begun to lower interest rates one after another, driving the healthy development of the domestic consumer market, and then the major banks have also lowered their wages, and since then, the deposit interest rates of the people of the whole country have been falling. Theoretically, the lower the interest rate on deposits, the lower the desire to deposit, because in such an environment, the income from deposits cannot withstand inflation. But no one thought that with the continuous decline in deposit interest, everyone's purchasing power is getting weaker and weaker, especially those in the middle and high-end people, who are not so interested in changing cars and home appliances. Moreover, everyone has a desire to save money.
Regarding this phenomenon, some experts pointed out that the current phenomenon is largely due to the fact that the current interest rate is not high, so they propose to lower the savings interest rate to zero, so as to better promote household spending. But an industry insider in the industry bluntly said: If these four "problems" cannot be properly handled, how can people continue to consume? The money that would have been the common people was misappropriated.
01 There is no cash in the pocket, the problem of income distribution needs to be solved, as people's enthusiasm for spending continues to decrease, and the willingness to save has risen sharply, is everyone willing to spend money but has money? In fact, since the outbreak of the virus, the past three years have hit everyone hard, and many store owners are in debt. In such an environment, they are penniless, and it makes no difference to them whether they cut interest rates or not. In addition, the fact that certain factors often lower interest rates to boost spending may also have the opposite effect.
Moreover, since 2022 is the earliest year in the country, it stands to reason that it should stimulate more consumption desires to a certain extent and greatly improve people's living standards, but this is not the case. Instead of raising the wages of ordinary people, they have been deducted from their salaries and laid off for various reasons.
According to the data of the tax department, only 14% of the country's monthly salary of 5,000 yuan is currently paid, that is, less than 100 million of the 770 million workers have a salary of more than 5,000 yuan. Most people earn between 2,000 and 3,000. In such a situation, it is impossible to get everyone to increase their expenses, especially for low-income people, whose income is even a problem for them to live on, let alone increase their expenses. Therefore, the most important thing now is to let the GDP pie fall more on the heads of ordinary people, which can only be achieved if everyone has money and relies on domestic demand to stimulate the economy.
02 Education, housing, and people's troubles must be solved, what are the troubles? Unemployment, children's education, medical care, pension, housing...All of these are what are currently preventing them from increasing their spending. For example, the current housing prices are already very high, and if people want to buy a house, they will not only have to spend all the money in their families, but also have to bear more than ten years of debt. As a result, a significant part of the buyer's monthly salary is used to pay the bank loan, and the remaining discretionary salary is only enough for daily needs. It is clear that the real estate sector has taken a big toll on the purchasing power of ordinary people.
Of course, there are also many people who have saved some money in the bank, but this money is used for emergency purposes, such as medical treatment, and if they are sick, even if they have medical insurance, they have to use their own savings to pay for it. But the medical expenses are too expensive, going to a hospital**, it is often hundreds of yuan, and there are other physical examinations, not to mention hundreds of yuan, or even tens of thousands of yuan. Not to mention being seriously ill, with these concerns, who will spend lavishly?
Of course, this is not all, every family has to take responsibility for education, now a child, often hundreds of thousands, such a large amount of money, who can not worry? In addition, in recent years, the tuition fee for college has become more and more expensive, and parents want their children to be admitted to college, so who will spend money unscrupulously? So, people don't spend money until their concerns are completely addressed.
03 Most people's purchasing power is not enough, and the gap between the rich and the poor in China needs to be narrowedCao Dewang once said that in China, the 1.2 billion people have no purchasing power, while the 200 million people have purchasing power. Some people are curious, everyone has tens of thousands of dollars, why can't most people afford it? I'll give you an analogy, you have as much savings as Jack Ma, can you become a billionaire? So, in fact, 2% of savers hold 80% of their savings, and the remaining 98% hold only 20%.
This shows that the average salary does not reflect a person's standard of living, and most people do not want to spend money because they don't have much money, in fact, most people don't have it. Therefore, in such a situation, even if most people with high savings levels are willing to spend money, the economic development of the country is quite limited. However, if you are a real rich person, then most of the money is spent, then even if the bank lowers the interest rate, it will have no effect.
At the end. Many experts now believe that as long as the interest rate is reduced to zero, people will willingly take their deposits out of the bank, thereby boosting spending. However, what they don't know is that this doesn't make people spend more, on the contrary, they are more pessimistic about the future economic prospects. Some people keep their money in the bank just to earn some interest, and now that the interest rate is lower, they won't spend it anymore.
Therefore, the most important thing now is not to blindly lower interest rates, but to find the root cause of the Chinese people's reluctance to spend money, and solve the problem from the root, which is the best choice. What do you think? Agree! Wan Ziwen: "Every sentence I write is well thought out, please click to read it and tell me that you are also working hard for your own life." ”