Macro Regulation And Control Results In Wenzhou

30 years ago, the theme of the common people's life is to have enough to eat.

Nowadays, food and clothing is no longer a problem. But when the fund is undone and how to make money change money, I am afraid that many people in Wenzhou are worried.

From this "sweet annoyance", the people of Wenzhou can understand the great changes brought to Wenzhou in the past 30 years of reform and opening up.

A group of data revealed by the Wenzhou Banking Regulatory Bureau verifies this change.

It is reported that by the end of the three quarter of this year, the first savings balance of the Wenzhou residents in the banking financial institutions was over 200 billion yuan, and the per capita savings of the citizens reached 26108 yuan.

In 1978, the average savings per capita in the city was only 8 yuan.

That is to say, the per capita savings of Wenzhou residents have increased 3263 times in the past 30 years.

In the city's small South Road, the city's Agricultural Bank's golden key financial center receives many customers who come to consult financial products every day. There are hundreds of people when there are hundreds of people.

Financial planners say that since 2000, Wenzhou has entered the era of financial management in the short span of several years, from funds and stocks to the sale of bank financial products.

According to statistics, as of the end of 9, the savings deposits of the banking financial institutions in the city amounted to 203 billion 640 million yuan, an increase of 33 billion 269 million yuan from the beginning of the year, an increase of 19.53%.

At present, the proportion of savings deposits in the city accounts for 51.09% of the total deposits of financial institutions, accounting for half of the total.

This means that Wenzhou residents have at least 200 billion yuan of "spare cash".

However, the industry also analyzed the reasons for the high growth of savings in many ways.

The first is the increase in the income of Wenzhou citizens, laying the foundation for the continuous growth of savings.

Secondly, the current personal investment channels are narrow and sluggish, and credit consumption has not been fully popularized. The consumption level of the public is in the period of upgrading reserve, which also causes savings to go all the way.

Third, the stock market and the property market are not satisfactory. Many investors also divest funds from the stock market and the real estate market, which is also an important reason for the capital flow to savings.

In the face of the fact that savings reflow and household savings will continue to rise, it needs to be calm and rational.

The return of savings and the recovery of deposit will, on the one hand, show that the current macro-control is playing a significant role. The pressure of excess liquidity in the capital market has been greatly reduced, and investors' investment mentality has become increasingly rational, which is conducive to the healthy development of the capital market in the future.

On the other hand, with the backlog of savings and the willingness of household savings to continue to rise, the negative effects of savings reflow should also be paid attention to, especially the series of problems brought by "high savings rate".

"Savings to a large number of banks back to a large extent shows that the current individual investment channels are not rich."

Insiders pointed out that in the long run, the orderly diversion of household savings to other investment channels is the general trend, and the diversification and rationalization of capital flows is also an important way to optimize residents' asset allocation.

How to dredge private capital, provide a variety of investment channels, and improve the financial management level of ordinary people is an important link in increasing property income, which is worth considering by relevant departments.