China is a huge economy. In recent years, a large part of China's GDP growth is driven by investment and foreign trade. As far as China's economic structure is concerned, it is still in an export-oriented economic structure to a greater extent, while China's domestic demand growth and its pull on GDP growth are not obvious. China market itself is a huge demand force, but the potential of the market can not be tapped in a short time. In addition, the policies in previous years were to guide China's economic infrastructure and industrial structure to develop into an export-oriented economic model. Due to the influence of policies, especially the inertia of the whole economy, it is conceivable that China cannot prevent the decline of the growth rate of the whole national economy by rapidly expanding domestic demand under the guidance of policies. Therefore, policies can only alleviate the adverse effects of the economic crisis to a certain extent, but cannot fundamentally reverse the bad situation of economic decline. In expand external demand, the overcapacity in China is inevitable when domestic demand can't continue to decline. Coupled with the current lack of market funds, individuals, families, enterprises and so on have strengthened their cash reserves. However, the uncertainty of economic prospects further reduces investment, and these factors pose a threat to China's economic downturn to a greater extent.
Of course, the introduction of this policy will inevitably have an impact on the economy, and the psychological impact should be greater than the actual effect. The introduction of the policy has effectively boosted market confidence in a short period of time, and the capital market has risen. The power, real estate, 3G information, agriculture, finance and other sectors in Shanghai have increased significantly. However, the market performance proves investors' dim judgment on the economic prospects, and there are signs of profit-taking in the capital market recently, which also shows the market's doubts about the effectiveness of the policy to some extent.
Let's talk about the operation methods of the capital market under the current economic situation and the personal financial management methods to deal with the economic crisis.
First of all, the capital market (here only refers to the stock market): China's current stock market has returned to 2000 points under the impetus of the policy, so in the current uncertain economic crisis, it should be a time to raise funds, instead of following the policy to buy securities. The policy mentioned above is to treat the symptoms rather than the root cause, so the risk of economic downturn will inevitably lead to a downturn in the stock market. At present, the price of general stocks is definitely too high, so we should hold cash now and buy them gradually in batches when the price falls. There are several stages of opening positions, which can make the average price fall without completely losing the profits brought by the rise, which is conducive to reducing risks. Finance, real estate, home appliances, energy, etc. They are all available plates. Remember: don't buy up or chase after high prices, but seek short-term small profits, which is too risky and no one can foresee the short-term market dynamics. On the contrary, if you hold a position in your hand now, you should take advantage of the rising opportunity, gradually reduce your position according to the situation, and then make up your position at a low position in time.
At present, the share price of the capital market has fallen to the bottom, so you can consider buying and holding it for a long time. As for whether we should buy more funds, my answer is: buying funds will not be safer than buying investment-grade stocks and bring higher returns! When you are going to buy a fund in China, you must understand that this year's fund performance is a mess and the net value of the fund has shrunk. QDII is still young compared with QFII, and there is still a big gap between them. In this round of market, China investors have such a joke: "The top of China stock market is made by institutions, and the bottom of China stock market is also made by institutions." . China's capital market is greatly influenced by policies, and the market is dominated by retail investors, so the institutional stability is insufficient. So I don't think it's more important to buy funds. The performance of funds in good years is not very good, not to mention the crisis now! On the contrary, it is more attractive to buy low-priced blue-chip stocks to get capital gains and relatively stable dividends.
Personal financial management methods to deal with the economic crisis: first of all, we must understand that China's social security system is not perfect, so you should always hold some cash, and holding cash to wait for opportunities is the first step. It is not easy for you to encounter such an economic crisis. Only when you have a lot of cash can you get considerable income from it! Secondly, you want the risk of balanced flow's investment in assets and fixed assets. This balance point will vary from person to person. As for current assets, I want to say: don't get involved in financial derivatives easily, because they are quite complicated and the risks are difficult to estimate. If you are not very good at managing money or are not enthusiastic, then you can find a qualified financial planner to help you, but the final decision is up to you. What I want to emphasize here is that buying an insurance for yourself is a good way to prevent risks. Insurance contracts should be as comprehensive and detailed as possible according to their own situation.
Because of my limited level, I can only say here. Finally, I hope the above views will be helpful to you here, and I hope more people with their own opinions will express their opinions.