People's Bank of China announced yesterday: Central Bank will reduce the reserves of financial institutions by 0.25 percentage points on December 5, 2022. The funds released this time are about 500 billion yuan.
Many people may think that such national affairs have nothing to do with us ordinary people, and they are all things that leaders should care about. The idea of
is wrong.
The central bank’s reserve requirement cut has a great impact on us ordinary people. Only by understanding early can we get a share of the country's policies.
Why should the central bank cut the reserve requirement ratio?
. What is a reserve requirement cut
First of all, everyone should understand one thing first, what is a reserve requirement cut?
lowering the reserve requirement ratio is actually the meaning of reducing the reserve requirement. When banks and other financial institutions, when absorbing deposits, they will use the money to invest or lend. When the central bank controls risks, it will require financial institutions to submit a certain proportion of deposits when attracting deposits. This money is kept by the central bank, which is called a deposit reserve.
It can be said that the deposit reserve is of great significance. On the one hand, it limits the amount of money banks invest and lend. On the other hand, with this money, it can be used for relief when a bank has a crisis or large-scale redemption.
There are more than 4,000 banks in my country and many financial institutions. The total amount of deposit reserves reserved in the central bank is as high as tens of trillions.
. Why should the country cut the reserve requirement ratio
Due to various reasons, the current economic situation in my country has been not very good. Once the economy grows slowly, it will bring about many social problems.
The best way to increase the economy is consumption and investment.
0000 million yuan is expected to release deposit reserves. This money flows into the market, which will drive consumption and investment. This will stimulate economic growth and solve the current social dilemma.
In addition, as many people say, a large part of my country's economic growth depends on real estate. At present, the real estate industry is in full swing.
This time the reserve requirement ratio cut is also a purpose of saving the housing market. The country also hopes that this round of funds can drive the real estate industry out of the trough. What impact will
have on us ordinary people?
. The real estate industry will recover slightly
As mentioned earlier, the central bank's round of reserve requirement ratio cuts will take away the purpose of saving the housing market. With the injection of a large amount of capital, even if the real estate industry cannot flourish as before, it can be more or less excited.
However, at present, it is basically impossible to restore the grand occasion of real estate in previous years.
Because ordinary people have no money, except for some people who need it, there will no longer be large-scale investors to speculate in real estate.
. Stimulate economic growth, jobs will increase
What is the biggest benefit of economic growth?
will inevitably add a large number of labor positions and can solve the employment problem.
The biggest difficulty in my country's current economic situation is the shortage of jobs. It is particularly difficult for millions of college students who graduate properly to settle their jobs every year.
If the economic growth rate does not meet expectations, there are insufficient jobs, and a large number of unemployed people will cause heavy social cost pressure and threaten stability.
You can think about it. There are unemployed people everywhere in society and idle people. In such a society, public security is definitely a big problem.
The central bank lowers the reserve requirement ratio, and the 500 billion yuan entering the market will surely drive economic growth. At that time, it will be of great benefit to those who need to find a job. As jobs increase, the people we employed will have more choices.
In addition, the increase in employment will definitely bring about a certain "job intra-revolution". In order to recruit enough employees, a large number of companies will definitely increase their employment salary and benefits.
So, this time the central bank’s reserve requirement cut is a very positive signal for those who are preparing to find a job.
. Prices may also rise
500 billion funds enter the market, which will definitely increase hot money in the market.The market has the ability to self-regulate. Once there is too much hot money, it will definitely drive prices to rise.
In addition, after each reserve requirement ratio cut, the interest rate cut will inevitably be followed by and . As long as interest rates are cut, many people will definitely take out the money and invest it in the market when they see that the interest rate on deposits is too low.
This also causes more and more hot money circulating in the market.
So, in the future, market prices will inevitably rise.
Prices rise are not a good thing for us ordinary people. Originally, the family spent only 4,000 yuan a month. Now prices are rising and the cost of living is increasing. If you want to maintain your quality of life, you will have to spend about 4,500 yuan a month.
The economic situation in the past two years was not good, the business was not easy to do, and the class was not easy to do, so I didn’t have much savings. Now that the cost of living increases, you have to make more money.
The central bank lowers the reserve requirement ratio, which belongs to the country's macro-control . From a big perspective, it is beneficial to the overall society. For ordinary individuals, we need to prepare in advance
Only when the country is good can we be good. There is a saying: If the skin does not exist, where will the hair be attached? That's the reason.
Therefore, when the national reserve requirement ratio cuts, we must immediately cut interest rates. We must maintain a supportive attitude (in other words, whether you support it or not will not affect the implementation of the policy).
If you want to find a job, it will be a good opportunity in the future.
is ready to deposit in the bank, so it is best to deposit immediately. There will be no interest rate cut after the reserve requirement ratio is cut. Because according to previous practice, interest rates will definitely be cut after the reserve requirement ratio is cut.
We ordinary people should always pay attention to the development of national policies. Only by understanding the national policies in a timely manner can we get a share of it.
. The central bank will soon cut the reserve requirement ratio. Are you all ready?
