In 2015, the Bank Bankruptcy Law was promulgated, stipulating that only 500,000 yuan of full compensation will be guaranteed for bank bankruptcy.
The regulation was introduced at a time when real estate was actually on the verge of collapse in 15 years, according to data released by the Ministry of Housing and Urban-Rural Development: there are 600 million houses in the mainland. If a house can accommodate five people, it is enough to accommodate 3 billion people. The number of housing stock in the mainland is also seriously surplus, and about 14 million new commercial houses are built every year.
For the sake of what happened later, everyone has seen it, artificially raising housing prices, beautifying asset accounts to prevent bank bankruptcy, housing prices in various regions are basically doubling after 15 years, and many people are trapped after this: using inflated housing prices to attract you in, and then with a few years of limited sales time in some areas, a time difference is played, so that you can watch housing prices rise but you can't sell, and when you can sell, you find that the market is no longer good, and you can't go out at the original price. Many people who bought houses during this period of time are now basically selling at half the price, and it is very common for them to fall by 30% to 50%! 15 years later, buyers have actually become the de facto receivers.
Back in 2024, on the one hand, there are more and more houses that are out of supply, on the other hand, the value of houses is getting lower and lower, and finally the bank has become the most houses in hand, and the houses collected by the bank cannot be sold, which will inevitably lead to the bank's bad debts getting bigger and bigger, the bad debt hole index has doubled, and bankruptcy has once again become a problem for banks to face.
Now the property market does not have the environment that can induce an upward trend for 15 years, and the trend of stampede shipments has been formed. The domestic banks are basically state-owned, and the consequences of bank bankruptcy will lead to financial collapse, and the consequences will be shared by all those who hold RMB, in the words of a certain host, "no matter how big the difficulty is divided by 1.4 billion, it is not a difficulty", the most direct manifestation is that the money in your hands is becoming less and less valuable, whether you want to do it or not, do it or not.
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