In the past decades, China’s income level has undergone earth-shaking changes. Compared with the past monthly wages of dozens of yuan, people’s income has mostly increased more than 100 times. With the steady and rapid development of the national economy, people who benefit from it have a new look every year. More and more people bid farewell to the era of basic salary and live a well-off life. However, nowadays, more and more people begin to complain that it is not easy to make money. Why can’t I save any money after a year’s work? With the continuous growth of the economy, people’s wallets should be plumper. Why do people complain that they have no money? Where’s the money? Spark Global Limited This year, affected by the black swan incident, the development of all walks of life has been hindered, and many enterprises have to choose ways such as layoffs and pay cuts to maintain the operation of enterprises. Because of this, the competition between jobs in all walks of life has become increasingly fierce this year. Many people even prefer to reduce their salaries to keep their jobs.
Today, there are still two moonlit scenes away from the Spring Festival, which should have belonged to the Spring Festival, but it has arrived ahead of time. More and more migrant workers choose to return to their hometown to wait for the Spring Festival. Perhaps in the eyes of many people, the early arrival of the homecoming tide was affected by the black swan incident. But in fact, the incident is only part of the reason. As early as a few years ago, the problem of returning home early has appeared, and it is not only this year that people complain about not making money. It is clear that the central bank releases a lot of money every year. Where is the money going? First of all, liquidity is insufficient. Someone once asked such a question on the Internet: Zhang San went to the hotel to open a room and paid a deposit of 500 yuan. Li Si, the boss, used the 500 yuan to pay back the goods paid by Wang Wu, Wang Wu used the 500 yuan to pay back the money owed to his neighbor Zhao Liu, and Zhao Liu used the 500 yuan to pay back Li Si’s last credit. When Zhang San checked out, Li Si returned the 500 yuan deposit to Zhang San. On the surface, everyone’s wealth has not changed, but all debts have been paid off, which is the liquidity of money.
For the common people, although the income is higher and higher, the debt is also higher and higher. According to the data released by the central bank, China’s total household debt has reached about 51 trillion yuan. Housing loan is the main component of household debt. 75.9% of household debt is generated by house purchase. To borrow the words of Mr. Cao Dewang, even if we have a huge consumer market, most people spend their money on their houses and have no consumption ability at all. With insufficient consumption power and insufficient liquidity of money, people naturally feel that they have no money. Second, rent. If the common people feel that they have no money because the mortgage is too heavy, while many owners and shop owners feel that they have no money, it is because the rent is too heavy. In recent years, the business of physical stores has become more and more difficult. The rise of e-commerce is only one of the factors, and the more reason is that the rent is too heavy. Even in some second and third-tier cities, the rent of front rooms in commercial streets is often as high as tens of millions a year. After a hard year, all the money earned has paid the rent. Overall, it is not as good as working. And for some enterprises with general profitability, are also working for landlords and can’t make much money at all.