I don't know if you know about M2? For friends who learn financial knowledge, they should know very well what M2 is, simply put, this is to describe a currency that can be circulated, and there are deposits from the masses and some enterprises, but this is not a dead deposit, but a coin that can be embezzled and circulated.
Nowadays, the value of M2 in the mainland has reached about 300 trillion yuan (only high, not low), and this has been developed in just a dozen years, when the economic crisis was only about 40 trillion yuan, but why is the mainland's economic situation (2024) still not improving in such a situation? There is even a downward trend!
Financial idling has a certain impact on the circulation of the market economy
With the announcement of the central bank's interest rate cut, many people think that this is bad news, could it be that the mainland has no money now? But the actual situation is absolutely not like this, China is now a very large and complex economic country in the world, and there are many different situations in this range, which is not that we are very short of money nor that we are very rich.
To put it simply, the attitude towards different industries is different, and the kind of industry with a relatively large proportion of investment requires a large amount of money, such as the familiar chip industry, which may casually spend hundreds of billions or even trillions, but for other industries, it may not even be able to spend billions.
In this regard, I would like to introduce to you a brand new term, that is, the term "financial idling", what does this mean? Simply put, it is about the bank, for example, after a large amount of money is printed by the central bank, it will be circulated to the market in different ways, and it is still in the real field, and it is also for the development of the market.
The central bank will pay close attention to how these funds should be reasonably injected into the real economy, such as investment in different industries, for some industries that expand and transform, and reduce the pressure of social employment, so as to achieve the mainland's GDP index rise, and the domestic economic situation can naturally develop and improve.
However, there is a more embarrassing point in this matter, which is that if you really can't meet the right project and investment direction, it will make this money unusable, and you can only put it up first and wait for a good opportunity to appear, but this money does not mean that it is placed there without a price, but has been "making money with money".
Because everyone knows that there is interest when you put money in the bank, even if it is ten yuan, there will be its corresponding interest, and the interest will only be higher in the case of such a large amount of money, so you can't keep it in a bank because it will definitely not be able to bear it, but if there are more liquid banks, it will cause property pressure, and this behavior is difficult to accept.
What are the reasons for the financial idling? Why is the development of the national economy slow?
Many friends may not have heard of the term financial idling, but it does exist, but when it comes to this, there will be many friends who are curious, what is the reason for financial idling? It is impossible to say that it has become like this for no reason, right?
It is true that financial idling will not appear out of thin air, and the reason for this financial idling is also because we have a relatively serious problem in our country that has not been well solved, this problem is the problem of supply and demand, and the problem of supply and demand is very insufficient, which has led to the slow development of the real economy.
In such a situation, there will naturally be certain financial problems, and the word financial idling is also born, but the central bank also has the latest statement, that is, the mainland is now undergoing the adjustment and transformation of many industries, which will lead to the overall faster, the more obvious is the real estate industry.
In the early years, the real estate industry can be said to have developed very well, and it has also accommodated a lot of social employment pressure, and at the same time made the circulation of the economy bigger and bigger, but with the development of the real estate industry in these years, it has become less and less than before, and even shrunk in the past two years.
And in the past, even if the real estate industry could not invest, it could go to the financial industry, and there would be some good investment projects in it, which is what we often talk about in the stock market, but with the development of time, the class A stock market is not very prosperous, and many people will lose money in it every year.
After a long time, everyone will be vigilant, which means that there will be fewer and fewer people involved in the financial industry, so the flow of funds will become more and more frequent, so that the phenomenon of financial idling will appear again, but financial idling is not very bad, because it has always existed in real life.
When the amount of liquidity is relatively small, financial idling will not be very prominent, but once the circulating funds become more and more, financial idling will appear more distinctive, for example, the development of the real economy is not very good, and there are fewer and fewer people involved in finance and other aspects.
In this regard, the central bank also directly proposed that we should pay attention to the matter of financial idling, and we should also carry out some monitoring and attention to this; as long as some relatively good investment projects appear on the mainland, the situation of financial idling will soon improve, and economic development will also improve.
This point is actually very easy to understand, not to say that the mainland's 300 trillion M2 data is nonsense, from this aspect it can actually be seen that the mainland's economy still has a large amount of money, and it is also an important embodiment of the financial industry in continuously stimulating the development of the real economy, which is our China's hard-earned money.
Since the beginning of the past few years, the growth of M2 data in the mainland is relatively stable, almost every year will grow by about 10%, the development of the real economy is better, and people need more and more real money, so the overall data is a state of rise, but for now, this rate has decreased, and finally did not reach the 10% growth level.
In the face of such a situation, it can also be said that the mainland is not very short of money, nor does it say that it is facing great economic pressure, it can only be said that we have money, but this money is not used at will, and it is necessary to promote the financial production capacity under the vitality of stimulating the mainland's economic development, and we have to admit that those who understand finance are still very powerful.
Now the use of real money is not as effective as before, the overall interest rate has become relatively low, many people think that the effect of saving money in the bank is not very large, in fact, this situation is very unsuitable for our development, if it takes a long time, it will also make our economic growth show a negative development, so we still need to be cautious.
For such a situation, in fact, careful friends should know that in the mainland nowadays everyone is encouraged to make some investment, this kind of investment is not limited to how much money and how large, just want everyone to stimulate consumption in this way, this effect is still relatively obvious.
And don't think that this kind of investment is not guaranteed, for some banks in the mainland now, they prefer to give a large amount of loans to large enterprises, and the state-owned enterprises and central enterprises are still very popular, and from various circumstances, it seems that the economic development is not so difficult, and those small enterprises will also be supported.
Conclusion
In fact, for the current economic situation in our lives, many friends think that this is a downward trend, but the actual situation is not like this, it can only be said that this trend is temporary, and it also needs to be operated.
As far as the financial and economic aspects are concerned, the mainland still needs to carry out "drastic" reforms, and it also needs to adjust the industrial structure so that the economy can recover as soon as possible.