Kerry Center to Hangzhou Dahua Hotel
Publish: 2021-05-03 23:20:55
1. What is negative interest rate? Speaking of this, many non-financial friends once asked me this question, and I gave them a very simple explanation. The so-called negative interest rate means that the interest you get from saving money in the bank is not as fast as the depreciation of the currency. As we all know, after the world abandoned the gold standard system, behind our money is actually only the credit support of the state, and there is no gold equivalent of a cent, so it is no longer difficult to send money, just turn on the money printing machine. At this time, there will be a problem. When we get our money, it is the most valuable. When we deposit it in the bank, if the interest rate of the bank is relatively high, we may still make a little money. If the interest rate of the bank is extremely low, we will keep the money in the bank every day and watch it turn into paper
as Ren Zeping, chief economist of Founder Securities, said: China's CPI is close to 2%, and the one-year deposit interest rate is 1.5%, so China has negative interest rate
how does negative interest rate come into being
since the financial crisis in 2008, the Federal Reserve, the leader of the world central bank, has started a series of quantitative easing in order to cope with the Great Depression of the world economy. On the one hand, it has been frantically printing money to stimulate the economy and release water to the economy, on the other hand, it has lowered interest rates again and again. Following the Federal Reserve, five countries, including the euro area (June 2014), Japan (February 2016), Switzerland (January 2015), Sweden (February 2015) and Denmark (July 2012), took the lead in implementing negative interest rate operations. After brexit, on August 4, the Bank of England announced a 25 basis point cut in interest rates, followed by Australia. It can be said that low interest rates and negative interest rates have become the mainstream of world currencies
of course, in this respect, China is still relatively cautious. In order not to cause too much impact on the economy, China has not used the two big knives of interest rate and standard rate rection frequently. However, compared with our CPI, that is, the consumer price index, we are already living in the era of negative interest rate, At this time, saving money in the bank may be in a state of loss every day. I'm afraid that the interest rate of saving money in yu'ebao will be slightly better than that in the bank
what kind of impact does negative interest rate have on our life
first, holding cash means turning money into paper.
ever remember, in 2013, when yu'ebao was the most popular, yu'ebao won the favor of most people with its annual yield of nearly 5%. It can be said that at that time, yu'ebao was the leader of cash financial procts. You can have the liquidity to use money at any time, It can also have a capital return much higher than that of the bank. But three years later, we see that yu'ebao now has only about 2.3% of its income level. It's really a bit shameless. Yu'ebao can be said to be the epitome of China's negative interest rate. In this era of negative interest rate, the worst thing is the people who hold cash in their hands or deposit cash in the bank. They can be said to bear the depreciation of their own money with their own efforts
Second, financial management has become a difficult task
in 2015, when P2P is the most popular, financial procts with a revenue of more than 10% can be seen everywhere in the market. Although there are various risks, such risk events as e-rentbao and Pan Asia also broke out, it has to be said that financial management in 2015 is a relatively easy era. At that time, the regular income of zhaocaibao and other similar P2P procts was about 6%, and this kind of financial procts with little risk could guarantee a relatively good income level. However, after entering the era of negative interest rate, property graally shrinks, and residents begin to move bank deposits into financial procts. However, the yield of financial market is still very low, with an average yield of only about 4%, and more than 5% of procts have become rare and protected animals. Moreover, as the people's Bank of China is under greater pressure to cut interest rates and standards, the decline in the income of financial procts will become a long-term trend< Third, the real estate market has become the biggest winner.
since the beginning of this year, we have seen the real estate market soar again and again. The price rise of the first and second tier cities has exceeded most people's imagination. Many white-collar workers who have not bought a house lament that the hard work of a few years of rising house prices has been wasted, which is equivalent to years of work for the house. One of the main reasons for the soaring house prices is negative interest rates. Because money is becoming less and less valuable, residents are not willing to deposit. In order to avoid the shrinkage of their wealth, in China's more than 20 years of market development, only the real estate still maintains a relatively stable proportion of value preservation and appreciation, so there seems to be no place for the surplus funds except the real estate. However, this kind of investment also has its pertinence, so we can see that the first and second tier cities with high economic foundation and development potential have become the main force of rising house prices, and the third and fourth tier cities are more difficult to make profits in the era of negative interest rates in today's economic downturn
negative interest rate has become a disaster for wage earners
in the era of negative interest rate, in fact, it should be the rich who are least affected. Most of their income comes from capital gains, and their liabilities are generally high, so they are least affected by negative interest rate. However, the wage earners are the most affected. Because their main source of income is wages, their life is often determined by their wages, which means that they are difficult to improve their income through adequate capital means. Under the condition of negative interest rate, their income gap and high-income groups will become larger and larger, their disposable income will graally decrease, their consumption ability will graally decrease, and their living standards will inevitably enter a declining stage
with the further increase of the expectation of recing interest rates and standards, the willingness of wage earners for high-risk investment will decline. At this time, for wage earners, their assets will be unable to escape into the downward channel, and poverty seems to be at hand
disaster is just around the corner. How to avoid it
at this point, we need to enter a most difficult problem, because in such a state, there is really no good answer to how to avoid money turning into paper. We can only give some suggestions for reference only:
first, the people with housing can be a little relieved
for the era of negative interest rates, Perhaps the happiest people are those who owe money to the bank. For wage earners, the situation that owes the most money to the bank is that they have a house and bear the mortgage. At this time, we can give you the biggest advice is never to repay the loan in advance, because negative interest rate means that your loan is in a substantial decreasing state. Therefore, for those who have loans, loans can effectively hedge part of the negative interest rate impact
Second, part of the choice of hedging assets
in addition to loans, there is also an effective means of value preservation and appreciation, which is to find hedging assets. For the general family, the relatively stable hedging assets are gold and US dollars, in view of the high probability of RMB devaluation in the future. Therefore, holding gold or US dollar assets is one of the effective ways to maintain and increase the value
the third is the choice of monetary asset allocation for conservative investors
for more conservative investors, we can consider a certain allocation of monetary assets. As mentioned above, the monetary fund of yu'ebao will have about 2.5% of the income, and the bank financial management will have 4% of the income. These relatively stable income, even if it can't increase in value, at least seek to maintain the value and have peace of mind< The fourth is to invest more in yourself
in the face of the era of negative interest rate, it may be a lifestyle choice to improve life through consumption on the premise of ensuring daily expenses and future reserves for pension, medical care and children's ecation. Many people think that in such a big context, money spent is their own thing. In such a big
environment, saving money will become poorer and poorer. If a large amount of expenditure is to buy a house or a car, it is better to borrow money than to save money
on the other hand, the biggest way of value preservation and appreciation in this era is to invest in yourself. Everything will change. Only by increasing your own strength and ability will not change. Learning and investing in yourself to improve your strength may be the only way to deal with all the changes in the future
as Ren Zeping, chief economist of Founder Securities, said: China's CPI is close to 2%, and the one-year deposit interest rate is 1.5%, so China has negative interest rate
how does negative interest rate come into being
since the financial crisis in 2008, the Federal Reserve, the leader of the world central bank, has started a series of quantitative easing in order to cope with the Great Depression of the world economy. On the one hand, it has been frantically printing money to stimulate the economy and release water to the economy, on the other hand, it has lowered interest rates again and again. Following the Federal Reserve, five countries, including the euro area (June 2014), Japan (February 2016), Switzerland (January 2015), Sweden (February 2015) and Denmark (July 2012), took the lead in implementing negative interest rate operations. After brexit, on August 4, the Bank of England announced a 25 basis point cut in interest rates, followed by Australia. It can be said that low interest rates and negative interest rates have become the mainstream of world currencies
of course, in this respect, China is still relatively cautious. In order not to cause too much impact on the economy, China has not used the two big knives of interest rate and standard rate rection frequently. However, compared with our CPI, that is, the consumer price index, we are already living in the era of negative interest rate, At this time, saving money in the bank may be in a state of loss every day. I'm afraid that the interest rate of saving money in yu'ebao will be slightly better than that in the bank
what kind of impact does negative interest rate have on our life
first, holding cash means turning money into paper.
ever remember, in 2013, when yu'ebao was the most popular, yu'ebao won the favor of most people with its annual yield of nearly 5%. It can be said that at that time, yu'ebao was the leader of cash financial procts. You can have the liquidity to use money at any time, It can also have a capital return much higher than that of the bank. But three years later, we see that yu'ebao now has only about 2.3% of its income level. It's really a bit shameless. Yu'ebao can be said to be the epitome of China's negative interest rate. In this era of negative interest rate, the worst thing is the people who hold cash in their hands or deposit cash in the bank. They can be said to bear the depreciation of their own money with their own efforts
Second, financial management has become a difficult task
in 2015, when P2P is the most popular, financial procts with a revenue of more than 10% can be seen everywhere in the market. Although there are various risks, such risk events as e-rentbao and Pan Asia also broke out, it has to be said that financial management in 2015 is a relatively easy era. At that time, the regular income of zhaocaibao and other similar P2P procts was about 6%, and this kind of financial procts with little risk could guarantee a relatively good income level. However, after entering the era of negative interest rate, property graally shrinks, and residents begin to move bank deposits into financial procts. However, the yield of financial market is still very low, with an average yield of only about 4%, and more than 5% of procts have become rare and protected animals. Moreover, as the people's Bank of China is under greater pressure to cut interest rates and standards, the decline in the income of financial procts will become a long-term trend< Third, the real estate market has become the biggest winner.
since the beginning of this year, we have seen the real estate market soar again and again. The price rise of the first and second tier cities has exceeded most people's imagination. Many white-collar workers who have not bought a house lament that the hard work of a few years of rising house prices has been wasted, which is equivalent to years of work for the house. One of the main reasons for the soaring house prices is negative interest rates. Because money is becoming less and less valuable, residents are not willing to deposit. In order to avoid the shrinkage of their wealth, in China's more than 20 years of market development, only the real estate still maintains a relatively stable proportion of value preservation and appreciation, so there seems to be no place for the surplus funds except the real estate. However, this kind of investment also has its pertinence, so we can see that the first and second tier cities with high economic foundation and development potential have become the main force of rising house prices, and the third and fourth tier cities are more difficult to make profits in the era of negative interest rates in today's economic downturn
negative interest rate has become a disaster for wage earners
in the era of negative interest rate, in fact, it should be the rich who are least affected. Most of their income comes from capital gains, and their liabilities are generally high, so they are least affected by negative interest rate. However, the wage earners are the most affected. Because their main source of income is wages, their life is often determined by their wages, which means that they are difficult to improve their income through adequate capital means. Under the condition of negative interest rate, their income gap and high-income groups will become larger and larger, their disposable income will graally decrease, their consumption ability will graally decrease, and their living standards will inevitably enter a declining stage
with the further increase of the expectation of recing interest rates and standards, the willingness of wage earners for high-risk investment will decline. At this time, for wage earners, their assets will be unable to escape into the downward channel, and poverty seems to be at hand
disaster is just around the corner. How to avoid it
at this point, we need to enter a most difficult problem, because in such a state, there is really no good answer to how to avoid money turning into paper. We can only give some suggestions for reference only:
first, the people with housing can be a little relieved
for the era of negative interest rates, Perhaps the happiest people are those who owe money to the bank. For wage earners, the situation that owes the most money to the bank is that they have a house and bear the mortgage. At this time, we can give you the biggest advice is never to repay the loan in advance, because negative interest rate means that your loan is in a substantial decreasing state. Therefore, for those who have loans, loans can effectively hedge part of the negative interest rate impact
Second, part of the choice of hedging assets
in addition to loans, there is also an effective means of value preservation and appreciation, which is to find hedging assets. For the general family, the relatively stable hedging assets are gold and US dollars, in view of the high probability of RMB devaluation in the future. Therefore, holding gold or US dollar assets is one of the effective ways to maintain and increase the value
the third is the choice of monetary asset allocation for conservative investors
for more conservative investors, we can consider a certain allocation of monetary assets. As mentioned above, the monetary fund of yu'ebao will have about 2.5% of the income, and the bank financial management will have 4% of the income. These relatively stable income, even if it can't increase in value, at least seek to maintain the value and have peace of mind< The fourth is to invest more in yourself
in the face of the era of negative interest rate, it may be a lifestyle choice to improve life through consumption on the premise of ensuring daily expenses and future reserves for pension, medical care and children's ecation. Many people think that in such a big context, money spent is their own thing. In such a big
environment, saving money will become poorer and poorer. If a large amount of expenditure is to buy a house or a car, it is better to borrow money than to save money
on the other hand, the biggest way of value preservation and appreciation in this era is to invest in yourself. Everything will change. Only by increasing your own strength and ability will not change. Learning and investing in yourself to improve your strength may be the only way to deal with all the changes in the future
2.
bus route: 111, about 17.8km
1. Walk about 260m from Hangzhou bus passenger transport center station to Hangzhou bus passenger transport center station
2. Take No. 111, pass 19 stops, and reach the first hospital station of the city
3. Walk about 1.4km to Dahua hotel in Hangzhou
3. The whole hotel is near the West Lake. The rooms are new and comfortable. And the garden and front hall of the hotel are very open, parking is more convenient.
4. Located by the West Lake, the environment is really good. My colleagues sent me a text message saying "the hotel has been checked in
very good", so I must give 100 points! I'll see if I have time.
very good", so I must give 100 points! I'll see if I have time.
5. I think it's OK. It's like a state-owned unit. The location of the hotel is very good, but the facilities are general and relatively old. It's a famous hotel in Hangzhou and a reception hotel of the provincial government. The working environment inside is still very good.
but I think this hotel has a strong sense of planned economy, Looking at the parking lot at the gate of the hotel, the security guard kept asking which room to stay in. For the guests, it was a matter of privacy and they felt very disrespectful
but I think this hotel has a strong sense of planned economy, Looking at the parking lot at the gate of the hotel, the security guard kept asking which room to stay in. For the guests, it was a matter of privacy and they felt very disrespectful
6.
Nestled by the beautiful Xizi lake, the hotel is located in the center of Hangzhou. It was opened in 1936 and renovated in 2002. It has three floors and a total of 120 rooms. Dahua Hotel, which is only 10 meters away from the West Lake, opened in 1936. It has three floors and three blocks. It was renovated in 2002. It has 120 standard rooms with an area of 28 square meters. It is located in the center of the city, 3 minutes from the railway station and 40 minutes from the airport; Hangzhou Dahua Hotel, a classical Courtyard Hotel, nestles by the beautiful West Lake, in the center of Hangzhou, covering an area of 18000 square meters. Dahua hotel in Hangzhou has a long history and enjoys a good reputation at home and abroad. Mao Zedong, Zhou Enlai and many other older party and state leaders once stayed in Dahua, and many important central and local meetings were held here
7.
The civil code escorts us to keep pace with the times. Modern life is changing with each passing day, science and technology is advancing by leaps and bounds, especially in the digital economy today, modern science and technology has been integrated into our life bit by bit
such as mobile payment, digital economy, virtual currency, transfer payment and so on, are all the conveniences brought by digital technology, but also accompanied by various disadvantages. Facing the challenge of science and technology in the new era, the civil code fully embodies the attitude of keeping pace with the times and ensures the influence of new things in the new era on people's life
if the civil code is implemented well, the rights and interests of the people will be protected by law, the communication between people will be more orderly, and the society will be more harmonious. The majority of grassroots party members, cadres and ordinary people should deeply understand the great significance of the introction of the civil code
On June 25, 2019, chairman Li Zhanshu presided over the 11th meeting of the Standing Committee of the 13th National People's Congress, which deliberated the draft of marriage and family and the draft of succession of the civil code On May 22, 2020, at the third session of the 13th National People's Congress, Wang Chen, vice chairman of the Standing Committee of the National People's Congress, made a statement on the civil code of the people's Republic of China (Draft) On May 28, the third session of the 13th National People's Congress voted and adopted the civil code of the people's Republic of China, which will come into force on January 1, 2021Hot content