M2 is close to 300 trillion, inflation is coming? People are advised to be prepared
I don't know if you have noticed an important economic data, according to the latest data released by the central bank: at the end of January, the broad money balance (m2) was 29763 trillion yuan, a year-on-year increase of 87%, which is more than 2 times the GDP in 2023. What exactly do these numbers mean?
From an economic point of view, it can be said that M2 is positively correlated with inflation, which refers to the amount of money in a broad sense, including bank fixed deposits, users' margins, etc. M2 actually represents the purchasing power of the country's currency, and if the growth rate of M2 rises, it means that the total amount of money in the country as a whole is also increasing. And if M2 grows too fast, it means that inflation is hitting people.
It is worth mentioning that although the over-issuance of currency in our country in January was quite serious, no significant inflation was found. There are two reasons for this.
First, excessive and large-scale currency issuance is mainly used for infrastructure and urban investment.
A very simple truth is that as long as there is more money in any field, there will be inflation. For example, a few years ago, a large amount of money was injected into the real estate industry, resulting in real estate *** But this time, a large amount of money was banned from flowing into the real estate market, but was used for infrastructure construction, urban investment, etc., and finally used to solve the renovation of old urban buildings, urban planning and construction, etc., so ordinary people may not feel this impact for a period of time, the most intuitive may be that the work of the work unit has become more, nothing more.
Second, due to the fact that the property market has lost its money-making effect, a large amount of funds have not entered; Due to the decline in market consumption, a large amount of funds have not entered the enterprise, because the enterprise cannot make money, and dare not invest blindly, which is the current situation; Of course, to a certain extent, excess money has also inevitably entered the sphere of life, such as food and daily necessities. Therefore, it is normal that we will see a certain degree of fruit and necessities.
Of course, with so much additional funding, no one can guarantee that it will not flow into areas closely related to people in the future, because the current international situation is not optimistic, prices, oil prices continue to rise, and risks are everywhere.
As a result, an industry insider warns that there are three things that the average person would do better not do this year.
There is a very simple truth in the investment circle, called"Big rivers have water, and small rivers are dry", but the current situation is that the big rivers are out of water, and the small rivers are even more waterless. This tells us that when the global economic environment is not very good, the most important thing to pay attention to is to keep your money bag, do not easily listen to the advice of relatives and friends, and do not blindly invest in fact, catching up with many people.
In the past, when the economy was relatively good, due to stable income, there was little pressure to repay loans, and everyone tried to spend ahead of time and enjoy life. However, things have changed in recent years, and it has become harder and harder to make money. At this point, if the previous spending habits are continued, the household economy may be in trouble.
I think many people have realized that there is a lot of good news about buying a house recently, whether it is a reduction in mortgage interest rates or a reduction in the down payment ratio, and in some places even direct discounts and price reductions, in this case, many people may be tempted to take out a loan to buy a house.
But here, I sincerely give you a piece of advice: don't force yourself to buy a house, even if you have to buy, you must do what you can, and the monthly payment cannot exceed your ability to repay.