In the past few years, everyone's life was booming, and the major consumption places were crowded and bustling, and those who did business also made a lot of money, a prosperous scene.
Restaurants and other entertainment venues used to be thriving
In the past two years, everyone's feeling is that it is difficult to earn money, it is difficult to find a job, the business cannot be maintained, the debt cannot be repaid, whether it is the bottom or the middle class, there are too many people who suddenly return to poverty.
Now that the local debt is Alexander, the personal unemployment debt, and the family finances are collapsing, since the money is printed, and the country is willing to inflation, why is there still no money overnight? The answer is simple, everyone is not taking out loans, they are saving money, and there is less and less money in the market.
After printing so much money, everyone is getting poorer and poorer, right?
大家都不贷款了，市场上没钱了
A simple truth, if you want to make money easily, there must be more and more money on the market, how to make more and more money on the market? It must be a lot of loans.
If a person or an enterprise borrows one million from the bank, there will be one million more banknotes on the market, and everyone will take out loans, and there will be more and more money, and the more money, the faster the depreciation, the inflation will come, and the money will be easy to earn, and the reason is as simple as that.
The channel through which money is issued is loans
There is an indicator called the scale of social financing, this data is to reflect the overall social loan data, the data in April is -198 billion, the same period last year was 2 trillion, from this data can be seen that everyone does not lend.
Why is the loan data negative? It is everyone who repays the mortgage in advance, and the speed of repayment is greater than the speed of the loan, so it is negative.
What does this data mean? That is to say, there was 200 billion less money on the market in April, and the money became less and less, which means that the money is becoming more and more difficult to earn, which means that things are getting cheaper and cheaper, and the stock of money is becoming more and more valuable.
大家都开始存钱，钱不流通了
There is less money on the market, not only because there are no loans, but also because everyone has begun to save money and not consume, the circulation of money is slow, and once the money becomes a fixed deposit, it will disappear from the market, which is also the reason why there is less and less money.
In the past few years, everyone's consumption psychology has undergone great changes, that special three years, everyone has experienced the experience of suddenly not being able to make money, coupled with the fact that it is not easy to make money in the past few years, the economic environment is not good, and we have the habit of saving, and several superpositions have made the money become "dead money", and the money is getting less and less.
More and more money turns into such small pieces of paper
Now that there is no increase in money in the market, the stock is also becoming "dead money" and no longer in circulation, so it is becoming more and more difficult to earn money, and the reason is as simple as that.
大家想要挣钱，房价必须还要涨
Many people will be angry when I say this, high housing prices are a pain in the hearts of many people, but rationally speaking, housing prices are still the only way to pull financing.
At this stage, if you want to have more money in the market, you must take out loans, so that everyone does not save money, and take out the money in the bank to spend it, and you must change people's expectations, that is, investment can make money.
In the past, everyone took out loans, swiped credit cards to buy houses, and one person borrowed hundreds of thousands to millions, and everyone did not deposit, and everyone bought houses, and there was more and more money on the market. That's what once prospered.
Buying a house is not only a consumption, but also an investment, and it is one of the channels for currency issuance
If you want everyone to borrow, you must change your expectations, as long as you believe that a certain asset or a certain industry will make money in the future, you are willing to lend, and the best expectation is the housing price.
Of course, it is also possible to make money in other industries or investment channels, not necessarily housing prices, but at present, there is not, and it is true that there is no better industry or investment product to replace real estate.
恶性循环与良性循环之间差了一个高房价
In the past, it was a virtuous circle, everyone generally expected that housing prices would rise, buying a house was a consumption and an investment, the whole people consumed plus loans, more and more money, the more money the better it earned, the better the earning expectations, there will be more consumption investment, it is a virtuous circle.
Now this situation is a vicious circle, everyone generally has bad expectations for the future, investment losses, entrepreneurial losses, jobs are not easy to find, the day is not safe, they will hold their money tightly, do not take out loans and do not start a business, keep money in the bank, there is less and less money on the market, the more difficult it is to earn money, and the less money is more difficult to earn, it is a vicious circle, this cycle will make the situation worse and worse.
Half of the KTV collapsed, and consumption continued to be sluggish
Even if the state wants to use monetary policy tools to regulate the economy, the 32 trillion yuan of money added last year cannot enter the market at all, only idling in financial institutions, so everyone does not feel inflation at all, and money is still valuable.
At present, let the vicious circle become the previous virtuous circle of change, only one is short of the expectation of rising housing prices, this is a good medicine, but unfortunately even if the cruel reality is in front of them, many people are still unwilling to face, the ordinary cow, ordinary people's cognition is really difficult to change.