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Where does the money go? The central bank revealed the secret, and netizens laughed with tears
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Have you ever discussed this question with your friends in an after-dinner conversation: "Where does the money go?" Why do you feel that the salary is paid as if it is not paid, and why is the money on hand always insufficient? Recently, a report released by the central bank is like revealing a corner of this mystery, telling us in plain language: money, in fact, is around us, but it is "hidden" a little deep. [covers face] [covers face] [covers face]
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1. The central bank revealed: money, in fact, is in the residential sector
On May 10, the central bank released a blockbuster report, explaining for the first time in plain language the question of "where does the money go". According to the report, the resident sector accounts for nearly half of the total deposits, as high as 49%. This compares with only 27% and 14% of deposits from businesses and governments, respectively. This means that the deposits of each of us, whether rich or ordinary people, form part of this huge pool of resident deposits.
However, this "good news" did not ease most people. Because, although the money is in the residential sector, it does not circulate in the market like flowing water, but lies quietly in the bank account and becomes a kind of "precipitation". This is also a big reason why we feel short of money.
2. Netizens are hotly discussed: Chinese residents who love to save money
This discovery sparked a heated discussion among netizens. Someone said: "The resident sector is all the residents, the rich are also residents, and we ordinary people are also residents." Everyone's savings are part of the family. This is true, but there is obviously a world of difference between the savings of the rich and the savings of ordinary people in terms of amount and purpose.
However, we also have to admit that as ordinary people, we do have many reasons to choose to save money instead of spending. Children go to school, the elderly go to the doctor, get married and buy a house...... These seemingly ordinary life needs require us to spend a lot of time and energy to save money. The general low level of wages and the worries about the future pension make us cautious when spending money, for fear that we will fall into trouble if we are not careful.
3. The money is in the residential sector, why do we still feel short of money?
Why, then, do we still feel short of money when the money is in the residential sector? The reasons for this are not complicated. As mentioned earlier, our deposits are not fully liquidated, but are mostly deposited in bank accounts. As a result, although the money is in the residential sector, it does not play its due value and does not drive economic growth.
Our consumer demand has not been fully released. Due to the existence of various life pressures and uncertainties, we tend to be more cautious and rational when consuming. This has also led to a lack of demand in the market, which in turn has affected the vitality and growth of the economy.
We also need to see a problem: that is, the widening gap between rich and poor. While the total amount of deposits in the resident sector is high, a large part of them is concentrated in the hands of a few. For most people, they don't have a lot of savings and may even need to borrow money to make ends meet. This is also a big reason why we feel short of money.
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Back to the opening question: "Where did the money go?" "Now we can give a clear answer: the money is actually all around us, in each of our bank accounts. But how do we make that money really valuable and make our lives better? That's where we need to work together. Through reasonable policy guidance and the release of market demand, let the money flow and drive economic growth and development. At the same time, we also need to improve our consumption awareness and financial management ability, so that money can better serve us. Only in this way can we truly feel the existence and value of money.
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