在进入到2025年之后，社会各界对现金有不同的看法。有人认为，国内货币超发严重，通胀即将到来，手持 现金就会资产贬值。此外，现在银行存款利率低得可怜，还是应该赶紧把现金拿出来用于投资和消费。也有 人觉得，当前处于通缩周期，各种不确定因素会很多，而且物价越来越便宜。所以，手持现金不仅不会遭遇 购买力下降的问题，而且还能应对很多突发事情。 事实上，现在国内经济，确实处于通缩的周期之内，并没有像一些人说的那样通胀已经来临。从数据来看， 5月份，居民消费价格指数（CPI）环比下降0.2%，同比下降0.1%。为此，有业内人士表示，在通缩周期之 内，手里有现金的人，可能要笑到最后了。主要原因有以下4个： 原因一：通缩已现，手里的钱越来越值钱 现在国内很多商品的价格在下跌。比如，猪肉价格从之前的每斤30多元，跌到了18元。而洗衣机、吸尘器、 电风扇等小家电，都有10-15%的价格跌幅。就连中档轿车，也从原来的25万，跌到现在18万。此外，全国 平均房价也从最高位跌去了30%以上。显然，在通缩的环境下，现金越来越值钱了。那手里有大量现金的 人，当然会笑得合不拢嘴了。 原因二：手持现金可以规避投资风险 原因三：现金在关键时候让 ...

Group 1 - The current economic environment is characterized by deflation despite significant monetary expansion, with M2 surpassing 326 trillion and a year-on-year growth of 7% [1][3] - The contradiction between monetary expansion and deflation is attributed to the fact that much of the money remains within the financial system and does not circulate into the economy, coupled with reduced consumer purchasing power due to income loss and unemployment [3][4] - Prices of essential goods and assets have decreased significantly, indicating that cash is becoming more valuable in a deflationary environment, with examples such as pork prices dropping from 28 yuan to 17 yuan per jin and car prices falling from 250,000 yuan to 180,000 yuan [6][4] Group 2 - Holding cash provides a hedge against investment risks, as many individuals have faced substantial losses in stock markets and other investment vehicles, with average losses for stock investors reaching 140,000 yuan last year [8][10] - Cash reserves are crucial for emergencies, allowing individuals to manage unexpected situations such as job loss or medical emergencies without financial strain [10] - Cash holders are positioned to seize investment opportunities when market conditions improve, as they can wait for asset bubbles to deflate before making strategic investments [12][10]