China in Change: Three major changes after the National Day
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#房地产市场的新动向
After the National Day in 2024, China's real estate market is undergoing a lot of changes. To say that the second-hand housing market has become an important engine of the current property market is really not blowing.
According to a survey in 100 cities across the country, the average price of second-hand housing was 14,549 yuan per square meter, down 0.71% from the previous month.
Don't underestimate this 0.71%, which represents the voice of many home sellers: the price reduction is to sell faster.
Many people lamented that in recent years, fewer people have bought houses, more people have sold houses, and the market has become more picky.
Looking at the new residential buildings, the price rose by 0.11% month-on-month, reaching 16,461 yuan per square meter.
This also makes many people mutter: Why is the price of a new house still rising? In fact, there is a knowledge in this, many developers have stepped up the sales of new houses in order to recoup funds, and at the same time, they are also increasing the added value of products.
Today's new homes are no longer as simple as they used to be, but more about providing a higher quality of living experience.
It is worth mentioning the rise of affordable housing.
As of July 2024, 2.35 million units of affordable housing and resettlement housing in urban villages have been started and raised nationwide, with an investment of more than 440 billion yuan.
The quantity of these affordable housing has not only increased, but the quality has also been greatly improved.
The government has put a lot of effort into this area to ensure that every set of affordable housing is a home where people can live with peace of mind and comfort.
#银行存款利率的调整
When it comes to the adjustment of bank deposit interest rates, it is really a mixed feeling.
No, a number of banks have announced cuts in the listed interest rates on RMB deposits, some by as much as 50 basis points.
City commercial banks, rural commercial banks, rural credit cooperatives, and village and township banks have joined the ranks.
The experts' explanation is that this is done to ease the pressure on banks' net interest margins and reduce costs on the liability side.
It sounds professional, but ordinary people may find it a little uncomfortable.
Especially for those elderly people who live on bank interest, the interest becomes less, and the quality of life will naturally be affected.
Some people say that this is also to encourage people to take money out of the bank to invest or spend.
However, investment is risky, and consumption also depends on whether the wallet is bulging or not.
Although there is an economic reason for the reduction of bank deposit interest rates, it is not necessarily a good thing for the common people.
#数字经济的迅猛发展
China's digital economy has developed rapidly in recent years. From 11.2 trillion yuan in 2012 to 53.9 trillion yuan in 2023, an increase of 3.8 times.
The driving force behind this is not only the progress of technology, but also the guidance of policies.
In 2023, the goal is to achieve "one network" and "no need to run once", which greatly improves the efficiency of government services.
Some people may ask, what does the development of these digital economies have to do with ordinary people? In fact, the relationship is bigger. For example, the popularization of e-government has made it no longer so cumbersome for ordinary people to do things, saving a lot of trouble in running errands.
The rapid development of the digital economy has also led to many emerging industries and provided more employment opportunities.
If this momentum continues, by 2025, China is likely to take the lead in the construction of global digital government and become a global model.
#社会和经济的视角
From a social and economic point of view, none of these changes are isolated.
Changes in the real estate market not only affect developers and buyers, but also involve a series of upstream and downstream industries such as construction and home improvement.
Although the adjustment of bank deposit interest rates is to solve the pressure within banks, it also has a great impact on the financial behavior of ordinary people.
The development of the digital economy has not only changed the industrial structure, but also affected people's lifestyles.
For example, changes in the real estate market directly affect those who rely on buying houses for investment.
A friend recently said that it was not easy to sell one of the several houses he owned.
The decline in bank deposit rates has forced him to reconsider his financial strategy.
The development of the digital economy has allowed him to see new investment directions, such as Internet finance and technology entrepreneurship.
#未来的影响和相似事件
In the future, these changes may have more ripple effects.
For example, changes in the real estate market may lead to more people choosing to rent rather than buy, which requires the government to introduce more protection policies in the rental market.
The adjustment of bank deposit interest rates may promote more people to choose other financial management methods, which requires financial institutions to provide more wealth management products.
The development of the digital economy may bring more scientific and technological innovation and industrial upgrading, which requires policy guidance and support.
Looking back over the past five years, similar changes are not uncommon.
For example, a reduction in bank deposit rates in 2019 has attracted a lot of attention.
At that time, many people chose to buy stocks and funds, which also drove a small upsurge in the stock market.
In 2021, the development of the digital economy has also made many traditional enterprises see the hope of transformation and begin to deploy online business.
Personal reviews
In the final analysis, these changes are all aimed at adapting to the new economic environment and social needs.
But for ordinary people, there are both opportunities and challenges in the face of these changes. How to find your place in this change is a question that everyone needs to think about.
Closing point
The future is unpredictable, but change is always eternal. In the face of these changes, we may need to think more and prepare. I hope that in this change, everyone can find their own direction and embrace new opportunities.