#精品长文创作季#
The three years of the epidemic have put the people of the mainland facing a very severe test, and many families have also experienced a great crisis due to the arrival of the epidemic. With the opening of the epidemic, many people are looking forward to the economy to improve again, but now although the economic situation is much better than during the epidemic, many people's lives are facing a series of challenges.
Our country has made many plans for high-quality development in the future, and in this process, we must also identify possible problems and challenges in a timely manner and actively take countermeasures. According to the current situation in the mainland, economic experts have made a variety of inferences, and some experts say that from the current situation, five major trends are forming in the country.
These trends affect all aspects of people's lives, so it is important to prepare in advance to avoid these problems from having too much impact on people's lives. So what are these five trends, and how should ordinary people respond to them?
First, consumer demand will be greatly reduced
The first major trend is that people's consumption demand will be greatly reduced. Consumption is a major "carriage" driving the country's economic growth, and the emergence of the epidemic has caused the unemployment rate in the mainland to rise, making the mainland people more willing to deposit money in banks to deal with possible risks. This has greatly reduced consumer demand, which will have a certain impact on economic growth.
In addition to the pandemic, the volatility generated by the real estate market has also had a huge impact on consumer demand. Today's real estate market is not stable, in the past, mainland people used to use houses as their main investment, as long as they had money, they would buy houses. However, now that the mainland real estate market is volatile, many people maintain a wait-and-see attitude even if they have money in their hands, and consumer demand has decreased as a result.
Lower consumer demand will directly lead to a decline in revenue in the retail and service industries, and companies may also lay off employees or even lose money due to the reduction in investment. This is very detrimental to the overall development of the economy, so it is necessary to change this situation in some way, and now the mainland is also doing its own efforts to promote consumption.
In order to promote consumer demand, the mainland has continuously optimized the consumption structure and promoted the growth of new consumption through policies. The state also provides tax exemption and exemption support for some industries, and also encourages bulk commodities such as automobiles and household appliances, hoping to drive consumption. What people need to do is to plan their spending reasonably, pay attention to relevant policies, and deal with difficulties.
Second, the depreciation of household assets
The second trend is the depreciation of household assets. The main reason for asset depreciation is due to the volatility of the real estate market. Real estate has long been the most important asset for Chinese families, and now the state has introduced policies to limit the intensification of the bubble in the real estate market, but at the same time, the value of the house has gradually returned to stability.
Nowadays, it is difficult for housing prices in many cities to rise again, and the value of second-hand housing in many areas has also shown a downward trend. This fluctuation has a direct impact on the stability of household wealth. In order to avoid this phenomenon from having too much impact on people's lives, we must plan our assets in advance and adopt a diversified way to allocate assets.
The first thing we need to do is to avoid a single asset, that is, what we call "don't put all your eggs in the same basket". Nowadays, real estate has lost its investment attributes, so you can consider choosing financial products such as stocks, bonds, and funds to diversify risks. This requires us to understand a certain amount of investment knowledge, and always pay attention to market dynamics and make reasonable investments.
For ordinary people, open source and throttling are very important. Increasing income can ensure the financial security of the family, and through proper planning of family assets, unnecessary expenses can be avoided. As long as we do a good job of opening up and reducing expenditure at this special moment, we can avoid the impact of the depreciation of household assets on us.
We need to remind everyone that when it comes to investment, we must not blindly follow the trend and listen to the advice of others. For investment and financial management, we must grasp the risks and rules of the product, if we blindly follow the trend, it is likely to cause our debts to be more serious, thereby increasing the financial risk of the family.
Third, the people's financial income has declined
The third trend is the decline in people's financial income. I believe that many people can find that the fixed deposit interest rate of mainland banks is now in the era of starting with the word 2. This is mainly because the central bank of the mainland has taken measures to reduce the reserve requirement, and time deposits have always been the main way for the mainland people to manage their finances, and the reduction of interest rates has caused the people's financial income to decline.
In fact, the reason why the mainland will take RRR reduction measures is to make people not deposit their money in banks and improve the liquidity of the market. All financial institutions on the mainland have been affected by the reduction in bank deposit interest rates, and the yields on wealth management products have declined. Faced with this situation, there are several ways that ordinary people can take.
The first is the diversification we mentioned above. Financial management is a risky behavior, and only by diversifying our funds can we greatly reduce the risks we may have. Stocks, bonds, funds and other financial management methods have very different risks, and we can provide more security for our assets by learning and understanding these investment methods.
The second is to shop around when choosing financial products. Nowadays, the wealth management products we can see include stocks, funds, bank wealth management products, insurance, etc., but the products of different companies, banks and financial institutions are diverse, which requires us to compare different products and choose products with higher returns or higher security.
Finally, it is necessary to ensure a long-term investment as much as possible. Choosing long-term and safe investment products is very important for ordinary people. Long-term financial products can ensure that we obtain a higher rate of return, although some short-term products are more profitable, but the risks are relatively high, and there may be more risks for ordinary people.
Therefore, in order to protect our financial returns, we must plan our own funds reasonably, and through the above methods, we can also improve our financial returns to a certain extent and ensure our financial security.
Fourth, the problem of aging endangers society
The fourth trend is population ageing. Nowadays, due to the impact of high housing prices and high social pressure, young people are less and less willing to get married. Especially after three years of the pandemic, young people put their feelings first, believing that marriage will limit their freedom and put a greater burden on their finances.
At the same time, the improvement of medical care in the mainland has also extended the average life expectancy of the elderly. According to relevant statistics, the total birth rate in mainland China since 1992 has been less than 2.1. Nowadays, with the change of young people's attitudes, the problem of low fertility rate is becoming more and more serious. Although the country has been making efforts to increase the fertility rate, the effect so far has not been obvious.
In order to solve the problem of population ageing, the state decided to adopt a delayed retirement program. However, in addition to the efforts of the state, ordinary people must also take measures as soon as possible. The first is to prepare financially for your later life, in addition to paying social endowment insurance, you can buy a commercial endowment insurance for yourself, so as to provide protection for your later life.
In addition, we should continue to learn new knowledge and skills to ensure that our psychology and mind can adapt to the needs of social development. We also need to pay attention to diet and physical activity on a daily basis, which can help us prevent chronic diseases. In this way, the quality of life in later life can be improved, and the pain of illness can be avoided.
Aging is a problem that every country needs to face, which requires not only the efforts of the country and society, but also the early preparation of every citizen. I believe that the problem of aging will be solved in the future, and we will be able to enjoy a happy old age.
Fifth, it is more difficult for fresh graduates to find employment
The fifth trend is that it will become more difficult for young people to find employment. According to relevant statistics, the number of fresh college graduates in China in 2022 will be as high as 10.76 million, but their employment has become a major problem. This is mainly due to the economic slowdown, the expansion of university enrollment and the impact of the pandemic.
The new crown epidemic has brought the development of many enterprises to a standstill, and in order to ensure the stable development of enterprises, they can only choose to reduce employment. Nowadays, international disputes are facing more social and economic challenges, which makes a large number of fresh graduates unable to find suitable jobs for themselves, and the employment pressure has also increased.
In such a situation, people need to change their thinking and adjust their employment expectations. You can choose diversified employment paths, such as self-employment, flexible employment, etc., to realize your own value. In addition, they also need to continuously improve their professional skills and comprehensive quality, which is very beneficial to improving their employment competitiveness.
We can also keep an eye on the country's economic development and the trend of industry development, which is also beneficial for finding employment opportunities in emerging industries in the future. I believe that as long as you are the one who welcomes the opportunity, the problem of finding a job will definitely be solved.
epilogue
The trend of the current environment is difficult for ordinary people to change. Therefore, all we can do is to observe the problems that may occur in the future, and take precautions for these problems, and adjust our next plans in time. In this way, we can avoid causing too much impact on ourselves when the problem really comes.
We also believe that in the face of these problems, our country will introduce relevant policies to actively solve them. In time, we will no longer be affected by these problems, and our country will be better off because of the resolution of these problems.
So are you ready to deal with these trends? What are your views on the future development of the mainland? Feel free to leave your valuable views in the comment area.