preface
The three years of the pandemic must have been very difficult for all of us, during which not only everyone was mentally tormented, but also suffered a huge economic blow. But in the end, we survived and fully opened up after the epidemic.
Originally, we thought that the situation would slowly improve, and the economy would return to the pre-epidemic in the future, and everyone was immersed in the joy of opening up, but what everyone did not expect was that after opening up, the situation not only did not improve, but even began to break out in a period of time, people lost a lot of jobs, and the economic pressure rose sharply.
Faced with such a situation, everyone has begun to reduce living expenses in ordinary life, no longer overdraft consumption in advance, but prepare more savings for emergencies. We must know that such a situation may not be comprehensively improved in the short term, next year may be more difficult, and there have been four signs of crisis, for us people, we must prepare in advance.
First, employment pressure continues to rise
As people become more and more aware of the importance of learning, and there are more and more colleges and universities in China, the number of fresh graduates who graduate from college every year can be described as very large, and so many people who graduate, but only a very small number of jobs, resulting in a large number of people unemployed as soon as they graduate.
From 2020 to 2022, the number of college graduates has been rising every year, and the scale and number are constantly climbing to record highs. However, the epidemic has caused countless enterprises to face bankruptcy and bankruptcy in the past three years, jobs have also plummeted, and the unemployment rate has exceeded 19.9%, which represents the current employment situation, which is very difficult, and people's life pressure has become greater.
In order to find a good job, most students will not worry too much about salary after graduation, first of all, they must first gain a foothold in society, because it is not easy to find a job in the current situation, and then pick and choose only at home.
In the past, many people chose to work as some delivery workers, ride-hailing drivers or express delivery industries when they did not have a job, and they also needed a large number of personnel every year, but in the past two years, due to the increasing number of people, and the market demand is decreasing, these occupations can not help everyone to tide over the difficulties for a short time.
With the undigested graduate population in the market in previous years, another 11.58 million new graduates in 2023 are about to flood into the recruitment market, which means that the employment pressure will be increasing, and the challenge for everyone is also very severe.
Second, the number of people on the credit blacklist has skyrocketed
Since the modern society buys a house and a car, most people need to rely on loans to solve the problem, and more than 90% of people in the mainland buy houses through loans. This makes them usually need to invest a large part of their salary into loan repayment every month, but the epidemic has left many people without income during that time, but they have to spend every month.
This has forced many people to overdue, after all, there is a lack of funds, and even worse, they can only repay these loans by means of loans, which will only lead them into a new round of crisis. The number of indebted people in the country is as high as 780 million, but among these 780 million people, the overdue rate has reached a staggering 42%.
And a large number of real estate developers are also through bank loans to maintain the operation of enterprises, but now there are fewer and fewer people buying houses, the funds invested can not be effectively returned, and soon a new round of repayment peak period will come, which will make many housing companies may appear debt default. Thunderstorms and plummeting declines in the real estate industry will cause economies from all walks of life to follow suit.
Third, the deposit interest rate has fallen
However, as the international financial market has also suffered a serious blow, the central bank of the mainland has also continued to decline the deposit interest rate of the currency, but this situation has not stimulated the desire of the people to invest, they still choose to deposit money, because they are afraid of not being able to bear the risk of investment.
Because most Chinese people also like to save money, they are reluctant to use it. And the epidemic has made people want to save more savings instead of spending and investing in recent years. And the money saved is not taken out for consumption, which will make it impossible for the mainland's economy to implement internal circulation, and will lead to continuous lowering of interest rates.
Fourth, inflation continues to increase
After the interest rate is lowered, inflation also continues to increase, so that prices will also face a situation of rising prices, but the income of ordinary people has not increased. This creates a vicious circle in which interest rates fall as people consume less, which in turn leads to inflation, and through inflation the cost of living rises.
There are fewer and fewer jobs, more and more people can find jobs, so the unemployment rate is getting bigger and bigger, and the income of enterprises is getting worse and worse, this series of problems will make people's income not only difficult to rise, but also the probability of unemployment is also greatly increased.
epilogue
So the emergence of these four descriptions will make our lives more and more stressful next year. In this case, while maintaining our current work, we must continue to learn to avoid being eliminated by society.