在这个消费主义盛行的时代，手里有点闲钱，很容易就被"精致生活""即时满足"的诱惑裹挟，买包、旅行、换手机，转眼间钱就没了。但真正的财富智慧， 不在于赚多少，而在于如何让每一分钱持续为你工作。今天，我以财富与人性专家的视角告诉你：手里有闲钱，别乱花，这样打理，比死期存款靠谱10倍。 很多人认为，把钱存银行最安全，有利息，还能随时取用。可现实是，普通定期存款利率已跌至2%以下，而通胀常年在3%左右波动——这意味着，你每存 一年，实际购买力就在悄悄缩水。所谓"安全"，不过是温水煮青蛙式的财富流失。 1.低利率时代，储蓄已非保值手段 10年前，三年定存还能拿到4%以上，如今多数银行大额存单也仅2.5%左右。而与此同时，房价、教育、医疗、食品价格持续上涨。把钱锁在银行，看似稳 妥，实则是在用时间换贬值。你不是在理财，而是在为通胀买单。 2."流动性幻觉"让人高估现金价值 很多人留大量现金在活期账户，美其名曰"应急"，实则是一种理财惰性的借口。真正应急只需3-6个月生活费即可，其余资金若长期闲置，等于主动放弃复 利机会。现金不等于财富，能增值的资产才是。 3.银行不是你的财管伙伴，而是商业机构 银行推销理财时，重点从来不 ...

Summary of Key Points from the Conference Call Industry Overview - **Industry**: China Economics, specifically focusing on credit growth and fiscal policies in the Asia Pacific region [1] Core Insights and Arguments - **Credit Growth Trends**: Broad credit year-on-year (YoY) increased by 10 basis points to 9.2%, slightly below the consensus estimate of 9.3% [10] - **Government Bond Issuance**: In July, government bond issuance was strong at Rmb1.2 trillion compared to Rmb0.7 trillion in July 2024, contributing significantly to the credit uptick [2] - **Household Loans Decline**: New household loans turned negative for the first time in 20 years, decreasing by Rmb50 billion, attributed to slower consumption trade-in programs and a weakening property market [10] - **Future Credit Growth Outlook**: Credit growth is expected to moderate from August due to a fading fiscal impulse, which is projected to create a ~0.5 percentage point drag on credit growth for the remainder of the year [3][10] - **Policy Support Measures**: Incremental policy support is anticipated, including a 1% interest subsidy for consumer loans and a supplementary budget of Rmb0.5-1 trillion expected in September/October [4][10] Additional Important Insights - **Impact of Fiscal Policies**: The fiscal-led credit impulse is expected to moderate from August, influenced by the payback of government bond front-loading [7] - **Sectoral Credit Allocation**: While there may be reduced credit support to overcapacity sectors due to anti-involution policies, increased credit allocation is expected for sectors with less oversupply and infrastructure projects [4] - **M2 Growth**: A stronger-than-expected M2 growth of 0.5 percentage points to 8.8% YoY indicates accelerated deployment of government bond proceeds for infrastructure [10] This summary encapsulates the critical insights from the conference call, highlighting the current state and future expectations of credit growth in China, along with the implications of government policies on various sectors.