The era of negative interest rate is an era of economic depression. It is not impossible to give money to the bank, but we can no longer rely solely on traditional deposits. We can consider the bank's financial management, insurance and fund, not only have long-term pension planning and current cash flow planning, but also have the ability to seize the economic development dividend and make plans at the bottom of the economy in advance.

In the era of negative interest rate, the main reason is that the interest earned by deposit banks can't keep up with the loss of currency depreciation. In other words, the money in the bank can still get interest from the bank, but it is too little. The biggest characteristics of the negative interest rate era are relatively slow economic development, less commodity supply, more market currency and high commodity prices; The deposit and loan interest rates are relatively low; At the same time, people have high expectations for economic improvement.

Extended data

Although the interest rate is negative, the prospect of raising interest rates is not clear. One of the reasons is that the government is optimistic about the future decline of inflation, and believes that inflation can be effectively curbed by strengthening the supply of agricultural products and cracking down on price speculation. But this is actually a very wrong concept.

In fact, inflation is caused by too much money and has nothing to do with the price of agricultural products. However, because China's CPI statistics are very unscientific, and the weight of food items is above 30%, the government can control CPI as long as it controls food prices, but such CPI can't measure the real inflation degree at all, which is tantamount to drinking poison to quench thirst.