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Entertainment mud snowball
Edit|Entertainment mud snowball
On May 10, a circular issued by the central bank shed light on the mystery.
According to the circular, our deposits are mainly deposited in three "big pockets": the residential sector, enterprises and the government.
And among the three "big pockets", the resident sector has the highest proportion of deposits, reaching an astonishing 49%!
In other words, almost half of the money we have on hand is obediently lying in the bank.
Why do we love to save so much?
So the question is, why do we love to save money so much? There are complex psychological factors and social backgrounds behind this.
Chinese have always had the traditional virtue of "diligence and thrift", and this concept is deeply rooted in the bone marrow, making us more inclined to save money for emergencies.
In recent years, with the rising cost of living such as housing prices, education, and medical care, people's awareness of saving has been further strengthened. After all, in this world full of uncertainty, you have money in your hand to keep your heart from panicking.
When the money is saved, why do you still feel short of money?
Interestingly, despite all the savings we have on hand, why do we always feel like we don't have enough money?
This is actually a classic "liquidity illusion".
If you keep a large sum of money in the bank, although the total amount may seem like a lot, because you rarely use it, you will feel as if the money does not belong to you.
Similarly, since most of us tend to save money rather than spend it, this has led to a decrease in the circulation of "living money" in society as a whole.
In other words, although the money is there, because we don't consume it, it's as if it's frozen and can't play its due value.
How to break the game?
When to come to the resident department
When it comes to the reasons for the increase in savings, the first and foremost is the issue of children's education. Today's parents are really heartbroken for their children's future.
From kindergarten onwards, various interest classes and tutoring classes take turns, not to mention future college tuition, study abroad fees, and so on.
These expenses add up to not a small amount, so parents can only grit their teeth and try to save money to give their children a better educational environment.
In addition to children's education, the issue of pension is also a major focus of everyone's concern. As we get older, we become more and more aware of the importance of providing for the elderly.
After all, who wouldn't want to live a comfortable and comfortable life in their old age? However, the reality is harsh.
Problems such as insufficient pensions and high medical costs have made many people start to plan for their own pension problems.
As a result, saving money has become an important means for them to cope with future pension risks.
Of course, there is also the housing problem that has also led to the increase in deposits.
Whether it's for themselves or their children, owning a house of their own is a dream for many people.
However, the soaring price of housing has made many people look forward to housing. In order to realize this dream, they can only save money desperately, hoping to have a house of their own as soon as possible.
Interestingly, despite the fact that everyone's savings are increasing, many people still feel short of money. Why?
Restrictions on investment channels are an important reason. Although there are many wealth management products to choose from, many people feel that these products are too risky or have too low returns, so they do not dare to try them easily. As a result, they can only choose to keep their money in the bank and watch the interest increase little by little.
However, this growth rate has not kept pace with the rate of price increases, so even if their savings have increased, they still feel that they do not have enough money.
The influence of consumption concepts cannot be ignored. Modern people generally have a frugal consumption concept and pay attention to financial management and savings.
They believe that only by saving money can they cope with the uncertainty of the future.
Therefore, even if they have savings, they are reluctant to spend easily, and are always worried about greater expenses in the future.
In this state of mind, even if they have a lot of savings, they will feel that they do not have enough money.