2025年，手握大量现金的人，要偷笑了！原因有这4点

Core Viewpoint - The current economic environment in China is characterized by deflation despite concerns about future inflation due to excessive money supply, with M2 at 335.13 trillion yuan, double the GDP, while consumer prices show only a slight increase of 0.2% in October 2025 [1][3]. Group 1: Economic Conditions - The domestic economy is in a deflationary cycle primarily due to excessive money supply circulating within the financial system rather than reaching the consumer market, leading to stable prices [3]. - A slowdown in income growth among residents has resulted in reduced consumer demand, causing businesses to face excess inventory and resort to price reductions to clear stock [3]. Group 2: Cash Holding Advantages - Individuals holding significant cash are finding their money increasingly valuable, as prices for goods such as pork and electric vehicles have decreased significantly, allowing for greater purchasing power [5]. - The decline in deposit interest rates has led many to invest in stocks and funds, resulting in substantial losses for investors, while cash holders have avoided these risks and losses [7]. - In a deflationary environment, cash holders are better positioned to navigate economic challenges, such as job loss or unexpected medical expenses, providing a sense of stability [10]. Group 3: Investment Opportunities - As asset bubbles in stocks and real estate are expected to burst during the deflationary cycle, cash holders will have the opportunity to acquire undervalued assets, positioning themselves for future gains [12]. - Business owners with substantial cash reserves can leverage their liquidity to pay employees and purchase raw materials at lower prices, enhancing their competitive advantage during economic downturns [10].