The prospect of digital currency in the era of negative interest

1. Because one person's expenditure represents another person's income, and the market is always expanding, goods are always increasing, so more money is needed, and printing and distributing money will lead to inflation, resulting in a surge in commodity prices, so credit was born
credit is to overdraw the future expenditure to carry out the current transaction, and human nature makes it easy to borrow money but difficult to repay it, so the interest rate will continue to fall until the negative interest rate
it's easy to increase credit, but it's extremely painful to rece Xinda. With the decrease of people's consumption, layoffs in factories, and even social changes, people's interest rate drops to negative in order to stimulate consumption.

2. Negative interest rate generally means that the interest rate announced by the central bank is lower than 0. Theoretically speaking, in the case of negative interest rate, if you deposit money in the bank, you will not only have no interest, but also pay a certain fee to the bank
the main purpose of negative interest rate is to stimulate the economy. People will find that when they deposit money in the bank, their wealth will shrink, and they will withdraw money from the bank for consumption or investment. Enterprises will think that the bank interest rate is low, and they are more willing to go to the bank for loans to carry out business activities, so as to improve the overall social and economic situation
in reality, the European Union and Japan have really implemented negative interest rate policies, but the effect is not good. Although people will withdraw money, most of the time they just pile up cash instead of consumption. This phenomenon is particularly serious in Japan. The premise for enterprises to expand business is that people's consumption improves. In the case of no improvement in consumption, the willingness of enterprises to lend is not high
another kind of negative interest rate refers to the situation when the bank interest rate is lower than CPI, which is the actual negative interest rate - under the premise of inflation, the interest paid by the bank can not resist the wealth shrinkage caused by inflation, which leads to the actual depreciation of wealth, which can also be called negative interest rate
as the name suggests, the era of negative interest rate is the era in which the former two situations occupy most of the time. No matter which situation, it will cause the actual shrinkage of one's own wealth, but to some extent, it may also be the precursor of economic prosperity, so it is not necessarily a bad thing. It is the most important thing to take care of one's own wealth.

3. If you are told that you are losing money while saving money, the actual income you get is negative, do you believe it? We are facing the huge difference between nominal interest rate and real interest rate, and moving from the era of low interest rate to the era of negative interest rate“ The era of negative interest rate "refers to the period when the price index (CPI) rises rapidly and the bank deposit interest rate is actually negative. In the first eight months of 2003, China's consumer price continued to increase slightly, but it began to rise rapidly in September, and continued to increase by 3.2% in January this year. At present, the one-year deposit interest rate of banks is still controlled at 1.98%. Considering the interest tax of 20% and the price rise, the real interest rate is - 1.616%< On February 24, the people's Bank of China issued the report on the implementation of China's monetary policy in 2003 (hereinafter referred to as the report). In the report, there is a saying that "the pressure of inflation is increasing, and we need to pay close attention to it.". Zhou Xiaochuan, governor of the people's Bank of China, has also said that the central bank will use all kinds of tools to regulate and control in order to prevent the crisis. Analysts believe that the monetary policy tools adopted by the central bank to prevent inflation mainly include interest rate, deposit reserve ratio and open market operation. The latter two tools have been adopted last year, and there is little room and efficiency for them to continue to be used. Therefore, when the era of negative interest rate is approaching, adjusting interest rate will become more realistic and urgent< In the eyes of economists, CPI (national consumer price index) is usually used as one of the core observation indicators to measure the inflation rate. Before 2003, the year-on-year growth rate of CPI in China has been negative. But in December 2003, China's CPI rose by 3.2%. According to economists' analysis, CPI growth in the first half of this year will basically remain at the level of the fourth quarter of last year, that is, more than 3%. According to the preliminary estimation, the tail factor of the year-on-year price rise in 2004 is 2.2. In other words, even if there is no new price increase in 2004, the annual price increase will reach 2.2%
according to the analysis of relevant financial experts, the annual price rise rate of 2.2% actually means that when indivial depositors deposit fixed deposits in the bank for one year, the actual income is already negative. Today, the one-year interest rate of bank deposits is 1.98%. After decting 20% interest tax, the actual deposit interest rate is only 1.58%. If the CPI is 3%, the real interest rate of one-year deposit is 1.58% - 3% = - 1.42%. What does that mean? It means that you deposit 10000 yuan in the bank, and one year later, its real value becomes 9858 yuan, 142 yuan "evaporates"< After the interest rate cut on February 21, 2002, the one-year deposit interest rate of financial institutions was 1.98%, the lowest level in 20 years, and the one-year loan interest rate was 5.31%. Once there is inflation, the real interest rate will be affected. If the current deposit and loan interest rates remain unchanged, the inflation rate of 3% for depositors means that the real interest rate of current deposits will be negative, and the real interest rate of enterprise loans will drop by 3%. Then, the financing cost of enterprises will be greatly reced, which will stimulate enterprises to borrow a lot from banks for investment, thus further driving a new round of credit expansion and investment overheating. This is obviously what the central bank does not want to see! Perhaps only by raising the interest rate can we relieve the inflation pressure caused by the negative real interest rate
yuan Gangming, chief economist of the Chinese Academy of Social Sciences, believes that if CPI and investment continue to grow rapidly in the next few months, the central bank is likely to raise interest rates for the first time in eight years and raise RMB interest rates to curb the rapid growth of consumer price index and investment< It is worth mentioning that the real interest rate of bank deposits in China has been relatively low. The real interest rate of one-year deposits calculated by the consumer price index averaged 0.32% from January 1987 to July 2003. One reason for this low average is the high inflation rate in 1993-1995. Even taking into account the discount, the long-term average real deposit interest rate is relatively low. It is reasonable to adjust the interest rate of RMB appropriately
Yi Xianrong, a researcher at the Institute of finance, Chinese Academy of Social Sciences, believes that our deposit interest rate is controlled by the government, not the real interest rate of the market. If only from the perspective of depositors, the deposit interest rate should be raised. But this year, the government will pay more attention to the reform of state-owned banks, which is also the core issue of this year's economic reform. If the deposit interest rate is raised, the expenditure cost of the bank will increase and the income will decrease, which will directly affect the economic benefits of the bank and is not very beneficial to the bank reform. Therefore, judging whether the interest rate will be adjusted depends on where the government focuses< In fact, the information from the "report" has shown that the pressure of RMB interest rate rise is increasing, and people's expectation of interest rate rise is becoming stronger and stronger! The possibility of the central bank to adjust the deposit and loan interest rates is increasing, just the size of the adjustment. This is because the central bank's monetary policy objective this year is to "attach great importance to preventing inflation and financial risks while promoting steady and rapid economic growth."
the arrival of the era of negative interest rate is a fact that ordinary people, especially those who are keen on saving, have to accept; In the eyes of people who are active in financial management and have a strong sense of investment, it means the arrival of the era of making money. We must actively adjust our financial thinking and resist negative interest rate through effective investment means. There are many ways to resist negative interest rates, such as recing savings, spending more, and even investing with a rational mind and a positive attitude (such as stocks, real estate, etc.), because the greater your investment income, the stronger your ability to resist inflation. Therefore, the negative interest rate is not terrible, the terrible thing is to be indifferent in the face of negative interest rate!

4. Graphics card prices have been falling for half a month, and have dropped to 2299, almost to the normal level.

5.

The era of negative interest rate may be an economic scenario that needs no "financial management". We have been saying for many years that "you don't manage money and ignore you". The core reason is that there are two reasons: one is the devaluation of currency caused by inflation, and the other is the increase in asset value caused by economic growth. Therefore, cash must be converted into certain assets, But this kind of situation only exists in the era of sustained economic growth

In the era of negative interest rate, cash is the king. Recently, the world's first negative interest rate mortgage loan issued by a bank in Denmark has attracted great attention. The mortgage does not need interest, and the money returned can be less than the principal. This kind of good thing is really good, and even thinks that Denmark is the best place to buy a house. But is that really the case

banks always have no profit and can't get up early. How can they do business at a loss? If you think the bank has made a loss, it just means that you haven't seen the truth. The chart below shows the 11 countries with the lowest benchmark interest rates in the world, almost all of them in Europe. Switzerland is the lowest in the world, and Denmark is the second lowest in the world

therefore, Denmark is a country that wants to enter deflation. As money becomes more and more valuable, the best way for ordinary people to invest is cash. Holding cash and spending later will be more beneficial to them and they can buy more procts and services in the future. The national economy is in the doldrums. Which instry's growth rate can exceed the economic growth rate? So asset appreciation is also very difficult. Unless you have huge wealth and can allocate global assets, holding your own cash is the best way for ordinary people to hedge their assets through such channels

2. China will not enter the era of negative interest rate. Although China's economic growth has slowed down, it still maintains a 6.3% economic growth rate. In the first half of 2019, India's economic growth rate has dropped to the range of 5%. China is the fastest growing country among the top ten economies in the world. The positive economic growth ensures that your investment can get positive returns, Then procers are willing to pay the cost for leverage investment, because the essence of leverage investment is that your capital cost is lower than your rate of return, and what you earn is interest margin

China's economy is growing in a positive way, and the interest rate gap is still there. Therefore, procers are willing to pay the cost of capital to obtain funds for proction activities, which ensures that the interest rate is positive. In addition, China's M2 remains above the growth rate of GDP, plus the inflation rate, which also ensures that China's interest rate is positive

negative interest rate is not a good thing for an economy, because negative interest rate often means the stagnation of economic growth, class solidification, and can only play in the stock, but can not obtain the increment. Although the current negative interest rate countries are all rich countries, so they have a solid family background, and the whole people can still get a good life under the state of negative interest rate. But if the negative interest rate lasts long enough, the country will certainly decline. If the global economy does not advance, it will retreat. Argentina was also a world economic power a hundred years ago, but now what

a country's economy will either advance or retreat. We are in a region with continuous economic growth and positive interest rate. This is our luck. Our increment is growing. Then new workers can always obtain wealth from creating new increment. Such a society is mobile, wealth is growing, and happiness index is also rising. Once the economy stops growing, it often means the fight of stock, the competition will be much more intense, and many social problems will be exposed and become the focus. Therefore, we should be grateful for the opportunities given to us by our time< br />

6. Bitcoin crash can only show that mining graphics card short time no one grabs, but the timing of graphics card price is still unknown
because supply and demand determine commodity prices. Now goods are in short supply, because video memory, resistors, all kinds of video card accessories prices, rising, so the cost determines the price
secondly, the high-end graphics card and memory mole play chicken game. The goods are almost out of stock, and now the factories are on holiday ring the Spring Festival, so the price will not drop in the short term
to rece the price of graphics card. It takes patience.

7.

We can learn about ABC's financial management business through recommendation. According to different customer needs, ABC has launched different financial management methods. At present, it has been able to operate financial management business through personal online banking and handheld banking, so that customers can manage funds at home

for the fund of less than 50000 yuan, it is recommended to handle the financial management in the form of savings of ABC, such as fixed deposit, flexible deposit, call deposit, etc. For details, you can click the link: the link of deposit introction website

or you can consider the precious metal business of ABC, such as cunjintong

the deposit through business refers to the customer opening a precious metal account through the debit card of our bank, purchasing "heishibao" precious metal investment procts according to the real-time precious metal quotation of our bank, and recording the purchase quantity into the customer's precious metal account in real time. Investment in gold is also a way to keep the value of assets. For details, you can click on the link: the link of precious metal business introction webpage

if the amount is more than 50000 yuan, there will be more choices. For example, the purchase of ABC's financial procts. Generally speaking, the financial risk of capital preservation and income preservation is relatively low. Let's take a look at Ben Li & Fung series. If you want a slightly higher return, you can look at the ease of profit. Or the recently popular "I earn the most on Thursday."

or sign up for the automatic financing business directly. Automatic financing refers to the function that customers sign a one-time contract with the bank, and the system realizes the regular subscription of our bank's open financing procts according to the agreed cycle and dection rules

for more information on financial services, please click the link: webpage link

8. In the period of negative interest rate, that is, the bank interest is less than the inflation rate, and the currency depreciates, so consumers will increase consumption, rece savings, and promote economic development. Of course, if the negative interest rate is too high, it may fall into economic crisis.

9. In the era of negative interest rates, make your currency active. It's time for the times to make heroes.

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