How Can We Take Care Of Our Pocketbook?
CPI continues to decline.
In February, the CPI index rose by 3.2% over the previous year, which is already lower than the current one-year deposit rate of 3.5%. This means that the period of negative interest rates lasting 24 months will be suspended.
According to a statistical calculation by the central bank,
Financial institution
In the negative interest rate period, the per capita wealth of the whole country has shrunk by more than 500 yuan.
When monetary policy is launched, the interest rate will increase, interest on deposits will increase, but it will create pressure on the operation and employment of enterprises, and will still inhibit the growth of people's income.
Therefore, for the sake of economic development, people can understand and tolerate the negative interest rate for a short time.
The problem is that over the past 10 years, there have been 3 negative interest rate periods, and the duration has been more than 20 months.
The negative regulation of long-term negative interest rates on social wealth distribution will aggravate inequity in social income distribution.
Other investment channels also make ordinary people "scarred".
Data show that last year
Shanghai and Shenzhen Stock Markets
Led by the decline of 21% and 28% respectively, the world's major stock markets, 50 million of the per capita loss 40 thousand yuan.
The stock market went up and down.
In a fair and pparent institutional framework, investors are willing to accept gains and losses.
However, in the past few years, "rat farm" has occurred, and institutional control has exacerbated market volatility.
If the system is not perfect, the capital market will become a machine for a few people to deprive ordinary investors, and it will also aggravate the unfair distribution of social income.
Caring for the residents is also concerned about people's livelihood.
At present, although negative interest rates have been temporarily positive, although the stock market has shown signs of upward trend, the campaign to defend residents' money bags has just begun.
Let people's savings do not shrink, on the one hand, do everything possible.
Stabilize prices
On the other hand, we should deepen the reform of interest rate marketization, reduce the entry threshold in the financial field, make the pricing of funds more market-oriented, and let the people get more income from deposits.
To increase the property income of the people, we should intensify the supervision of the capital market, maintain the openness, fairness and impartiality of the market, and make it an important channel for the people to share the fruits of economic development.
In addition, private capital should be allowed to enter more fields, pforming all kinds of private hot money and fast money into "long flowing water" and "regular army" to promote the healthy development of the economy, and let the people benefit from it.
Please take care of the "money bag" of the people.
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