According to the current anti-epidemic methods, I am afraid that only more and more people are in debt, and unless the epidemic disappears automatically or new specific drugs are developed, it will never get better.
Five-tier small cities without industrial support will be closed for two years 120 days, and the national market will be closed for 45 days in February 2020. This month is black for self-employed and migrant workers. They have no income for 45 days, but they have to face rent, mortgage and living expenses, and the prices in the closed period are not generally expensive. After 45 days of city closure and the impact of the epidemic, the economy was depressed after the city closure, causing many people to lose their jobs. But this is just the beginning.
It only took four months to clear the city. By the end of July 2020, our local city was closed again because of the epidemic. This time, it is 40 days. The city once again pressed the pause button, causing all individual industrial and commercial households, small enterprises and small stall owners to close down. For a city without industrial support, most people rely on part-time jobs and do individual labor, which is undoubtedly a disaster.
After the city was lifted, all walks of life were depressed. In order to stimulate consumption, the government issued 65,438+000 yuan vouchers for each family of three, and subsidized 500 yuan for self-employed. But this is a drop in the bucket for the self-employed who have closed the city for more than two months a year and bear high rents, and it does not play any role at all. After COVID-19 vaccination twice a year, everyone was relieved and thought that they should be all right after vaccination.
However, in June of 20021year, the epidemic struck again, and the city was closed for 40 days again, and restaurants and entertainment venues were closed for two months, which was a huge loss for a city, but for ordinary people, it was undoubtedly a disaster to close the city 120 days three times in less than two years.
After 80s, two ventures were started because of the epidemic and they were heavily in debt. After 80s, my wife has no job and two children, one in high school and the other in junior high school, with a monthly payment of 3,600. Both parents are farmers in their eighties.
At the end of 20 19, Ma Xiao saw that the tourism industry was booming in the past two years, and many friends around him made money. So he borrowed 650,000 yuan, bought two coaches, and invested more than1100000 before and after, ready to do a big job. However, unexpected events happened. In February 2020, the epidemic situation in Wuhan was closed all over the country, suddenly. Entrepreneurship has not yet started, and it has fallen into a trough. There is no tour group for half a year, and the tourist attractions are in a semi-open and semi-closed state. In just half a year, Pony couldn't bear it. Two cars were sold at a low price of 700,000, with a loss of 280,000.
In 2020, the government will develop tourism. Through various publicity, mainland tourists keep pouring into the local area. Pony began to regret selling his car and wanted to buy another car to travel. So he borrowed money from the East and invested 780,000 yuan to buy two coaches. In the first half of 2020, due to the influx of tourists, Pony's business is booming and there are tour groups to receive it every day. The income of two cars is about 2000 yuan, but the good times are not long. In August, an epidemic broke out in neighboring cities, which affected the province's tourism industry, but it was still able to barely maintain its expenses without losing money. Who knows that in June of 5438+00, there was another epidemic in the local area, and the whole city was blocked. The whole city pressed the pause button again. Although it has been unblocked, winter has passed the tourist season, and the government's strict epidemic prevention policy has forced his two cars to stop. Two epidemics left Pony heavily in debt. Now both cars are out of service, and the monthly mortgage and living expenses depend on a set of credit cards.
In pony's words, there is no hope. I don't know what to do. what can I do? Even if there is another operation or change, who can guarantee that there will be no more epidemic next month? ? When he said this, his bloodshot eyes were full of helplessness and confusion.
Xiao Wang, born in 1980s, owed 800,000 yuan due to the epidemic, and lost nearly 1,000 yuan today. Similarly, after 80s, he transferred a 260-square-meter restaurant in September 20021year, and invested1/10,000 yuan to start his own business. The monthly rent is 20,000, and the average daily rent plus utilities, property management fees, labor wages, etc. There is an expenditure of more than 2000 yuan in the blink of an eye every day. The restaurant has just opened and business is good. Xiao Wang calculated that according to the turnover during the opening period, the cost can be recovered in a little over a year. However, what he didn't expect was that in less than 20 days, in June of 10, the epidemic struck again.
Originally, I thought it might be better after the unsealing, and the business would return to the state when it opened, but the fact is that he thought too much. After unsealing, the whole street was empty. After blocking the city for nearly four months in less than two years, people have no spending power. Faced with all kinds of uncertainties in life, people began to consume rationally, and all walks of life were in a depression. For a city without industrial support, it is undoubtedly economically. However, Xiao Wang has to face more than 2000 expenses every day. He had to fire his employees. The number of waiters has been reduced from 12 to five now, but he still cannot make ends meet. He loses nearly a thousand dollars every day. On the worst day, his turnover was only 120 yuan.
Now Xiao Wang doesn't know whether to continue or go bankrupt. If he wants to continue, he has no capital to persist. After all, he will lose nearly a thousand dollars every day and go out of business. This is all his possessions and hard work, and it is also his only hope to go ashore. In Xiao Wang's words, the life and property of the family are on it. With the current business situation, he can last for a month at most. If we don't improve, the waiting for him next month may completely expire.
Conclusion: In the past two years, the epidemic was rampant, affecting all walks of life. The epidemic came and the city was closed, which affected people's lives. If it is not closed, the epidemic will be out of control. Stories like Pony and Xiao Wang are staged in all walks of life in various cities. I asked my friends around me, feeling that there is no hope in life and I don't know what my future will be like. Different from before, this year's planning for next year seems to be rich. Although it is still getting worse every year, at least we live in hope every day, but this lingering epidemic haze has now been deeply branded in everyone's heart, making everyone's life scary. I don't know whether the city will be closed tomorrow, and whether it will be unemployed because of the epidemic. I hope that the epidemic will recede as soon as possible, and I also hope that the country can develop specific drugs as soon as possible. Otherwise, there will only be more and more overdue debts.
Many people are living on their laurels, and those who have savings are fine. What should people who have no savings do if they want to survive? Spending in advance, using credit cards, using Alipay, and various platforms are slowly making ends meet, leading to more and more debts, which are part of the working population.
Most of them are middle-income and engaged in small businesses. Due to the influence of various policies, they have to cooperate with the country's bankruptcy, but the economic losses here must be borne by themselves. Due to the influence of the big environment, the business of small enterprises has been deserted, and it is impossible to support the maintenance of loans. In the long run, they will definitely be heavily in debt.
There are also some speculators who bet on lottery stocks and speculate on futures, and will gradually fall into this cycle. Many small businesses have closed down, and it is not easy for everyone to find a job. For example, in the service industry, they usually get about 3,000 yuan a month. But how can we expect 3000 yuan at this price? If we borrow it, we will end up in debt.
Why are there more and more people this year? I think it is also because of the problems accumulated in recent years. A few years ago, the bank issued credit cards to everyone, with a high quota, developed online loans, young people spending in advance, rising prices in the environment, rising rent costs, low wages and insufficient money. What should I do? Can only borrow. What if there is no deposit in an emergency? I borrowed it again. As a result, everyone can clearly feel that there are more people in debt this year. When my friends seldom relax, the cost of mortgage, car loan and children's tutoring has increased. All kinds of studies are in Alexandria. Their salary in January is not enough, and they have to rely on subsidies from the elderly every month. I think this is the status quo after 80.90. The last generation is even more difficult, the elderly support, middle-aged crisis, I can't imagine how the days after a day of non-work will collapse.