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What is national debt:
1, China's national debt is a national bond issued by the Ministry of Finance, and its security is endorsed by the state and based on national credit. Because the issuer of national debt is the country, it has the highest credit and is recognized as the safest investment tool. Compared with bank deposits, national debt has a high position in the hearts of ordinary people. However, because the purchase also requires a certain threshold and the number of national debt issuance is limited, the number of people who can really buy national debt is limited. Therefore, as a wealth management product, national debt is far less popular than bank deposits. At present, China people's financial habits are mainly based on various forms of bank deposits.
2. Because China people like to save money too much, China has become a big country in saving money, and its saving rate is among the highest in the world, which was once the first in the world, far higher than the world average and many developed countries. For example, China's savings rate is three times that of Britain and 2.4 times that of the United States. Although the savings rate in China has decreased in recent years, the overall level is still one of the highest in the world. For example, the savings rate of 20 17 is second only to Singapore, ranking second in the world. The savings rate is very high. First, the income of ordinary people has indeed increased. Second, because the people's financial awareness is relatively high; Third, it is very safe to deposit money in the bank; Fourth, you can get better interest income. If the deposit can reach 654.38 million, one year's interest income is equivalent to one month's salary, and the income of about 4,000 yuan is equivalent to one month's disposable income of urban residents in China in 2020.
3. With the increase of national debt issuance, many people may have to change their financial management methods in the future. Compared with the phenomenon that the national debt was robbed before it entered everyone's field of vision, it is much easier to buy national debt now than before. Since the beginning of 20021,China has issued four national bonds with a total amount of 70 billion yuan. Among them, 1 and 2 were issued in March of 10 and 19, respectively, with a term of 3 years and 5 years, both of which were fixed-term varieties, with the issuance amounts of1800 million and1200 million, respectively, and the 3-year interest rate was 3.8% and the 5-year interest rate was 3.99. The third and fourth issues were issued on May 10 and 19 respectively, with a term of 3 years and 5 years respectively. It is also a variety with fixed interest rate and fixed term, with an issue amount of 20 billion. The 3-year interest rate is 3.8%, the 5-year interest rate is 3.97%, and the interest rate level and term are the same as 1 and 2.