2017年，马云在一次公开演讲中抛出"未来房价如葱"的观点。 彼时房地产市场正处于前所未有的高温期，全国商品房年销售额突破13万亿元，许多城市出现连夜排队、摇号抢房的现象。 不少人认为这只是一种夸张的表达，甚至引来诸多质疑。 然而市场周期的轮转不以人的意志为转移，如今8年过去了，这个预言竟然成真了！ 截至2024年，全国二手房挂牌量攀升，平均成交周期延长，买方市场特征逐渐凸显。 曾经需要抢购的楼盘如今推出各种优惠促销，一些远郊项目价格逐渐回归理性区间。 不少在2017-2019年期间购房的业主发现，即便在同一地段，当前新房价格已低于自己当初的购入价。 市场上开始出现"房产不再是最好的投资品"的讨论。 白菜价 房地产的真实情况 随着宏观调控政策持续深化、住房供应结构优化及人口结构变化，房地产市场逐渐进入调整阶段。 2022年起，多个城市房价出现回调，尤其三四线城市部分项目价格较历史高点下降明显。 2017年，马云一句"未来房价如葱"，在全民炒房的沸点时刻，引来一片群嘲。 彼时，楼市正疯狂燃烧，国家统计局数据显示，全国商品房销售面积高达16.9亿平方米，销售额突破13万亿元，相当于全国人民一年工 资总和填进去还不 ...

利息计算方式这笔利息3750元是如何算出来的呢？简单来说，就是本金×利率×存期。 按年利率1.25%计算的话，10万元×1.25%×3年=3750元，刚好符合实际。 这里要注意，如果选择整存整取，每年的利息固定；如果选择利息复投，每年的利息还可以滚动产生新利息，但收益增长幅度不会特别大。 所以在存款前，要考虑自己是想稳稳收利息，还是希望利息再投资产生复利。 税收影响银行定期利息是需要缴纳利息税的，个人存款利息所得税为20%，但实际操作中，银行在到期发放利息时已经扣税。 以这笔3750元利息为例，扣20%税后，实际到手利息是3000元左右。 虽然税后利息稍低，但安全和稳定是最大的保障。 "你说啊，银行存款利息现在怎么样？我最近存了10万三年定期，到期利息3750元，感觉有点低。"小张坐在茶几旁，一边翻着银行存折，一边和朋友唠 嗑。"哦，这个算下来利率也不算太高，但也算稳妥的选择。"朋友喝了口茶，接着说道，"三年3750元，税前算利率也差不多3.75%，比活期利息高得多，但 比投资收益低一些。" 定期存款的稳妥性银行定期存款的最大优势就是安全。10万元存三年，到期固定利息3750元，这意味着本金基本不会受损。对于 ...

房子呢？很多人盲目相信"房产保值"。过去十年确实如此，但现在市场分化明显，一线城市还行，二三线城市房价停滞甚至下跌。买房不是万能解药，它可 能是让你背上几十年房贷的枷锁。 真正聪明的人，早就换了思维： 你必须明白：钱是流动的工具，不是放在银行吃灰的摆设。钱要被用来创造更多的钱，而不是锁死在存折上。 朋友们，今天我要讲一个扎心的真相：大多数普通人，穷的根源就是"只会存钱"！ 我们从小被教育要勤俭节约，能省就省，把钱存银行才最安全。可现实是，靠存钱，你永远不可能富起来，反而会慢慢被通胀收割，越存越穷！ 你想想，现在银行定期利息多少？2%都不到。可物价呢？房价、教育、医疗，哪一样不是年年上涨？通胀3%、5%，轻轻松松就把你的利息吃掉。你以为本 金没变，其实购买力早就蒸发了。存钱不是财富积累，而是慢性贫穷！ 有人说："那至少存钱安全，不会亏啊。"错！最大的风险，就是你觉得没风险。你看似保住了本金，其实丢掉了未来。过去十年，股市指数上涨几十个点， 基金定投轻松翻倍，比特币更是从几百美元涨到几万美元。而那些只会存钱的人，钱存在银行十年，实际价值反而缩水了一半。不投资，你才是真正的韭 菜！ 再看看工资。有人觉得："我不投资 ...

原标题：白话财经⑧|银行存款利率低 居民的钱正偷偷"换住处" e 1 8 4 Y 8 60 1 lo 14 Topl 0 20 1 0 0 ( 定期存单 duit 古 取 小 名 , In x 4x 办理 alls 小姨,你不是一直坚持存定期? 今天怎么取出来了? 现在存银行定期太不划算了 / -年的利率连通胀都跑不赢 得想点其他的生财之道了! t 仔示 E 9 E lp h 11 " "111 "// <= 1 8 / 我打算用这笔定期存款买点理财 你帮我参谋一下吧 小贝, 怎么对投资又燃起了热情? 000 O O El 形势不一 一样了嘛! 我最近还考虑重启股票账户呢 O 0 t I ■ H FFEFF 0000 (3.5 银行存款利息好 低，实在待不下 去了 …… 11 CC THE 存款准备 去哪儿? 最近股市行情不错嘛~ C 难怪大家愿意投钱入市! 2017 会川镇 HENDE 股市成交量活跃 888 " " 8 银行利率低 是啊, Z 房市行情也没有好转 Z 1, / 很多人用存款去买金融资产了 415 0 威觉像是"蚂蚁搬家" III WES 资金在一点点转移 没错,这个比喻很贴切 我现在就是这 ...

Core Viewpoint - The article discusses the shift of household savings from bank deposits to financial assets such as stocks and funds due to a low interest rate environment, highlighting a significant increase in non-bank financial institution deposits in August 2025 [4][18][22]. Group 1: Economic Context - In August 2025, household deposits increased by 1.1 billion yuan, which is considered a low level for the year, while deposits in non-bank financial institutions, including securities, insurance, and funds, rose by 1.18 trillion yuan [18]. - The low interest rates on bank deposits are prompting individuals to seek alternative investment opportunities, as the returns are not keeping pace with inflation [8][22]. Group 2: Market Behavior - The stock market has become more active, attracting funds as many individuals are moving their savings into financial assets due to the low returns from bank deposits and stagnant real estate market conditions [15][16]. - The metaphor of "ants moving house" is used to describe the gradual transfer of funds from traditional savings to more lucrative investment options [17][22]. Group 3: Investment Sentiment - There is a growing enthusiasm for investing in stocks and funds among individuals, with some considering reactivating their stock accounts [12][20]. - The article emphasizes the need for caution, as the stock market can be volatile and the ability to generate consistent returns will depend on broader economic conditions and market opportunities [19][22].

Group 1: Impact on Housing Market - The Federal Reserve's interest rate cut is expected to reduce mortgage rates in China, benefiting existing homeowners by lowering monthly payments [3] - New homebuyers may also enjoy lower borrowing costs due to a more accommodative monetary environment, leading to decreased home purchase costs [3] Group 2: Investment Market Changes - The decline in interest rates is likely to result in lower yields for fixed-income products such as bank deposits and money market funds, making them less attractive [3][4] - Investors face a dilemma of either accepting lower yields or taking on more risk for higher returns, prompting recommendations for longer investment horizons and diversified asset allocation [4] Group 3: Employment Market Effects - Lower financing costs for businesses may lead to increased investment and hiring, positively impacting the job market, especially in export-related sectors [4] - Growth sectors like technology may also benefit from improved liquidity, potentially expanding their recruitment efforts [4] Group 4: Currency and International Spending - The Fed's rate cut could lead to a depreciation of the dollar, making overseas spending cheaper for consumers, including those studying abroad or shopping online [6] - However, there is a risk of dollar appreciation if the market anticipates overheating in the U.S. economy, suggesting a cautious approach to currency exchange [6] Group 5: Inflation Considerations - While increased liquidity from rate cuts could raise price levels, the current domestic market conditions in China suggest that inflationary pressures remain manageable [8] - The overall price stability is expected to continue, alleviating concerns about significant inflation spikes [8] Group 6: Consumer Strategies - Homeowners should monitor changes in the Loan Prime Rate (LPR) and consider negotiating repayment terms with banks if necessary [10] - Investors are advised to balance risk and return, while job seekers should focus on opportunities in export and growth sectors [10] - Consumers should remain rational in their spending habits and avoid panic buying due to inflation fears [11]

就说 20 万存 3 年，以前年利率2.45%，到期能拿 14700 元利息。 现在利率降到 1.55%，利息直接少了 5400 元，够大半个月生活费。 总觉得把钱存定期，有银行兜底最安心。 可最近算的一笔账，彻底改了这想法。 更揪心的是，活期利率才 0.05%-0.2%，钱放着跟 "睡大觉" 似的。 但有人换了思路，像把钱拆成两份，一半买银行理财（预期利率 3%），一半买金条（年初 660 元 / 克，现在涨到 830 元 / 克）。 既没冒大风险，收益还比定期高，这 "稳当货" 到底咋选？ 一、工资到账时，突然犯了难 发工资那天，我像往常一样点开银行 APP，看着活期账户里的数字，瞬间没了往日的踏实。 以前工资一到账，不用多想就直接转定期，可现在一年期定存利率才 1.1%，5 万块存一年利息就 550 块，够买几杯奶茶？ 够给手机充几个月话费？ 这场景，身边的朋友几乎都遇见过，曾经那笔 "稳稳的幸福"，怎么突然就不香了？ 二、身边人的 "存钱新思路" 小区里的刘阿姨，前阵子揣着 20 万到期存单去银行，回来时手里多了两份东西：一份银行理财合同， 还有一小盒沉甸甸的金条。 她逢人便念叨："往昔存 20 万 ...

兴业证券股份有限公司 关于福建海峡环保集团股份有限公司 使用部分闲置募集资金进行现金管理的核查意见 兴业证券股份有限公司（以下简称"保荐机构"）作为福建海峡环保集团股 份有限公司（以下简称"海峡环保"）持续督导工作的保荐机构，根据《证券发 行上市保荐业务管理办法》《上市公司募集资金监管规则》《上海证券交易所股 票上市规则》和《上海证券交易所上市公司自律监管指引第 1 号——规范运作》 等相关规定，对海峡环保拟使用部分闲置募集资金进行现金管理的相关事项进行 了核查，具体情况如下： 一、募集资金基本情况 经中国证券监督管理委员会《关于核准福建海峡环保集团股份有限公司非公 开发行股票的批复》（证监许可〔2022〕501 号）核准，海峡环保本次非公开发 行股票数量为 84,158,415 股，每股面值人民币 1.00 元，发行价格为每股人民币 元。上述募集资金已于 2022 年 6 月 23 日到账，信永中和会计师事务所（特殊普 通合伙）对募集资金到账情况进行审验并出具了《验资报告》 （XYZH/2022XMAA10155）。海峡环保对募集资金采取了专户存储制度。 二、募集资金投资项目和使用情况 根据 2021 年 ...

Group 1 - Jack Ma's prediction in 2017 about housing prices becoming very low is now being realized as the real estate market has entered a long-term adjustment phase since 2022, with average national housing prices dropping over 30% [1][3] - Cities like Hegang, Fuxin, and others have seen housing prices fall to 3,000-4,000 yuan per square meter, making it affordable for ordinary people to buy homes [3] - The trend of declining housing prices is expected to continue for the next five years, alongside a potential devaluation of savings due to low interest rates and high inflation risks [5] Group 2 - The current economic downturn has led many companies to cut jobs and salaries, making it crucial for individuals to acquire multiple skills to reduce the risk of unemployment [7] - There is a growing awareness among young professionals about the importance of investing in their health, as maintaining good health is seen as essential for long-term success [9] - Many investors are experiencing losses in various markets due to a lack of financial knowledge, highlighting the need for education in financial management to improve investment outcomes [11] Group 3 - In the current A-share market, risks are high, but certain stocks, particularly those in the banking sector that offer annual cash dividends, are considered worthwhile investments, with average dividend yields around 4.14% [13]

Core Viewpoint - The Chinese real estate market is undergoing significant changes in 2025, leading families to face critical decisions about whether to hold onto properties or liquidate assets for cash [1][6]. Macro Background - The real estate market has entered an adjustment phase, with over half of new residential prices in 70 major cities declining month-on-month in the first half of 2025. While first-tier cities saw a slight year-on-year increase of 1.2%, third and fourth-tier cities experienced a price drop of 5.8% [1]. - The national birth rate fell to 9.56 million in 2024, the lowest since 1949, indicating a diminishing population dividend that impacts housing demand. The national housing vacancy rate reached 21%, with some third and fourth-tier cities exceeding 30% [1]. Value of Holding Property - Real estate retains value as a physical asset that can hedge against inflation, with first-tier city core properties appreciating at an annual rate of 3.5%, outpacing the 2.1% CPI increase in Q1 2025 [2]. - The scarcity of quality assets remains, with a 15% year-on-year reduction in residential land supply in Shanghai for 2025, indicating potential long-term value in high-demand areas [2]. Cash Holding Value - The value of holding cash is increasing, with 10-year treasury yields at 3.1% and bank deposit rates between 2.8% and 2.5%, while wealth management products offer returns over 4% [3]. - The national household leverage ratio reached 70.5% in 2025, indicating high repayment pressure on indebted families. A cash reserve equivalent to 3-6 times annual income is recommended for financial stability [3]. Asset Allocation Insights - A survey of 5,000 households suggests that young families should limit their first home down payment to 70% of total assets, while middle-aged families should aim for a balanced asset allocation of 40% in real estate, 40% in financial assets, and 20% in cash [4]. - The choice of city is crucial, with first and strong second-tier cities experiencing a net inflow of 970,000 residents, while third and fourth-tier cities face a net outflow of 1.62 million [4]. Market Dynamics - The real estate market is shifting to a phase of stock competition, with expected sales of 1.23 billion square meters in 2025, a 34% decline from the peak in 2021. Factors such as location, quality, and functionality are becoming key to property value retention [5]. - The average mortgage rate in 2025 is 4.1%, higher than most investment product yields, prompting high-debt families to consider early repayment or reducing leverage [6]. Conclusion - The decision to "hold property" or "hold cash" is not binary. The real estate market is entering a rational development phase, emphasizing housing's residential nature over speculative investment [6][8].