不敢买楼不敢炒股 中国人储蓄存款突破70兆
(图:法新社)
(北京24日彭博电)对于中国普通家庭而言,几十年来让财富增值、保证未来财务稳定的最可靠方式,就是把大部分资金投入房地产,把剩下的钱投到股市里去。
现在,即使那些有钱人也坚守现金为王,在冠病疫情重创中国经济之际绝不冒险。
中国房价自去年9月以来持续走低,股市和共同基金眼下也不是好去处,国际市场无门可入,加密货币被判非法。取而代之的是,越来越多的钱闲置在储蓄账户之中,尽管基准存款利率保持在纪录低位。
上海的一位银行高管Harry Kong表示,他去年从股市赚的钱都已赔掉。他说自己现在对于炒股的看法,是20年来最悲观的一次。
“今年我能做的就是老老实实呆著,把钱存入大银行。不管存款利率多低,至少是安全的。”
由于冠病疫情袭扰中国各大城市,一时看不到尽头,中国人现在正面临最为困难和不确定的环境,难以规划未来。
一些分析师预测中国经济今年将成长4%以上,而彭博经济学家预测仅能成长2%,远低于政府设定的5.5%左右的目标。
中国股市处于熊市之中,基准股指沪深300指数今年迄今已下跌18%,严格的“清零”抗疫政策和对民营企业整顿打击了投资者信心。
Gavekal Research驻北京的经济学家Wei He表示:“不管你是高净值人士还是普通一员,把钱投出去让财富成长的黄金时代都已经过去了。”
现年45岁的上海居民Clawde Yin说:“没有其他投资可选。我别无选择,只能坐等。”
Clawde Yin的余财中有近90%投在房地产,其余的买了股票。尽管房地产市场存在不确定性,Clawde Yin说他暂时不会将更多资金投到股票上。他认为,这两种选择都容易受到政府政策调整的影响。
这种情绪使得中国银行业的储蓄存款在4月底达到了人民币109兆2000亿元(约72兆令吉或16.3兆美元)。储蓄存款在今年前4个月成长了7%,而去年同期增幅为5.5%,别忘了中国的储蓄率本就在世界上名列前茅。
https://www.sinchew.com.my/20220524/%E4%B8%8D%E6%95%A2%E8%B2%B7%E6%A8%93%E4%B8%8D%E6%95%A2%E7%82%92%E8%82%A1/
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