Although Jack Ma is retired, he rarely appears in the public eye. Ma Yun, the former richest man in China and a man of the year who led Alibaba to the world, revealed in a previous speech that there are three major serious problems that the people at the bottom of China may encounter this year and next! What are the three major problems? Let's take a look at them next!
First of all, the first problem is that ordinary people with deposits, in the face of the reduction of bank deposit interest rates, the yield on deposits will shrink a lot, and the money in the hands of ordinary people cannot resist inflation. I remember that in 2018 and 2019, the interest rate of 5-year deposits was above 4.5, and now the interest rate of 5-year deposits is actually lower than that of 3-year deposits, and now the interest rate of three-year deposits is 2.75, 5-year deposits have become 2.55, and one-year deposits have dropped to below 2%! These data are showing that our country is now implementing a monetary easing policy, that is, to let the currency in the market be circulated, so the yield on deposits in the hands of ordinary people will drop a lot, and the annual inflation rate is about 5%, and it is difficult for the assets in the hands of ordinary people to outperform inflation, but I feel that as long as the money is still there, the problem is not very big.
The second problem is the narrowing of investment channels. Why are the channels of investment narrower? To take the example of a capitalist country, how did the economic crisis of the capitalist country come about? It is because wealth is in the hands of capital, and the common people have no money, no money to spend, no money to pay taxes. When the common people have no money to consume, the products produced by the capitalists' factories cannot be sold, and when the products cannot be sold, the capitalists will lay off workers and reduce wages, reduce the scale of production, and at this time will cause more people to lose their jobs, and after a large number of people are unemployed, they have no money to consume, no money to repay mortgages, car loans, and various consumer loans, and survival will become a problem, and then all economic problems will break out in a concentrated manner, and at this time it will cause an economic crisis, and usually the final way to deal with the economic crisis is generally to war, for example, the outbreak of World War I and World War II is caused by economic crisesAnd now the investment channels are narrowing precisely because the economic environment is not good.
The third problem is that it is difficult to find a job, the unemployment rate is rising, and it is difficult for companies to survive. There are still very few people who start a business in our society, and most of them are looking for a stable job, with a fixed salary every month, paying off the mortgage and living expenses, and rarely have savings in their hands! As I said above, if the products produced by the enterprise cannot be sold, he will definitely reduce the scale, and the reduction of the scale will lay off employees and reduce wages, so the unemployment rate will rise, and it will be more difficult for ordinary people to find a job! Like many of my friends, some of them have long been unemployed at home, looking for a job is lower than the previous salary, the working environment is still poor, I don't want to do it, don't look for a job, I have no income at home, and it is also very difficult to get a mortgage and car loan!
Some people say that this year is the most difficult year, and next year will definitely get better and better. And most people think that this year is the best year in the future, and the situation next year may be even worse!So do you think next year's situation will be better than this year? Discuss it in the comment area! I think what I said makes sense, don't forget to like it!
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