大家提前做好准备，若一切正常，5月开始，国内会出现5大趋势

Economic Trends - The overall price level in China is showing a downward trend despite steady economic growth, with a significant increase in residents' savings, indicating a reluctance to consume or invest [1] - As of the end of December 2024, total household savings in China exceeded 151 trillion, averaging over 100,000 per person, reflecting a cautious consumer sentiment [1] Challenges for Income Generation - Earning money is becoming increasingly difficult for ordinary people due to three main factors: ongoing US-China trade tensions affecting export businesses, a prolonged downturn in the real estate market impacting related industries, and a decline in national consumption demand leading to reduced business opportunities [3] Real Estate Market Adjustments - Since 2022, housing prices have been on a downward trend, with an average decline of 30% across various cities, influenced by factors such as decreased income post-pandemic, more rational purchasing behavior among young buyers, and a lack of investment returns in the real estate market [5] Declining Deposit Interest Income - Bank deposit interest rates are decreasing, with current three-year rates at around 1.5%, leading to reduced annual interest income for savers. This trend is driven by high savings rates and declining loan demand, prompting banks to lower rates to stimulate investment and consumption [7] Increase in Affordable Housing Supply - The government plans to provide 6 million affordable housing units over the next five years, averaging 1.5 million units annually, to meet the needs of low-income groups, which may impact the commodity housing market [9] Emergence of Artificial Intelligence - The arrival of the artificial intelligence era is evident, with advancements such as autonomous delivery vehicles and AI customer service representatives. This trend is expected to continue, potentially replacing repetitive jobs and enhancing efficiency in various sectors, including banking [11]