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Because the debt is the biggest. China is in the biggest borrowing frenzy in modern history.
In 20 15 years, its total debt reached 26. 6 trillion US dollars, about five times that of 10 years ago, accounting for 2.5% of the national economy.
More than five times. This huge growth has prompted some economists and even famous investor george soros to compare China with the United States before the 2008 financial crisis.
The traditional view is that the rapid growth of debt will eventually lead to economic crisis. It can happen in several ways.
In Greece, the culprit is * * *, which has accumulated more debts than it can bear. In the United States, risks lurk in bank and family finances.
In China, this problem mainly exists in companies. The largest enterprises in China, especially those state-owned enterprises, are the main borrowers.
Higher debt means that companies will have to invest more in interest payment and repayment and less in investment and employment. This may lead to a vicious circle.
Reducing spending on investment and employment will hit the overall economy, damage corporate profits and make it increasingly difficult to repay debts. Bad loans will rise.
Bank loans will be frozen. Confidence in the financial system will be shaken, leading to a full-scale banking crisis.
2. What is the difference between the recruitment of the People's Bank of China and the national examination in the examination content?
Compared with the national examination, the People's Bank of China looks the same for majors that only take the examination but don't report, but in fact it can only be said that the examination includes both the examination and the report, but the directions and materials of the two examinations are different and the difficulty is different.
One: About the examination subjects:
1. Judging from the number of questions, the People's Examination will take 70 questions for 60 minutes; The national examination 130 questions, 120 minutes, requires faster answering.
2. From the point of view of questions, in terms of quantitative relationship, the difficulty of pedestrian is that the questions are comprehensive and many knowledge points are investigated together, while the difficulty of national examination is that the knowledge points of the questions themselves are more difficult, and the difficulty coefficient of pedestrian is slightly lower than that of national examination; In data analysis, PBOC materials are single, financial and short-term, and mainly check the application of basic formulas. The national examination involves mixed materials, and many test sites are merged, so the calculation amount is larger than PBOC and the difficulty is slightly higher than PBOC.
Judging and reasoning, people's test sites cover a wide range and need a lot of knowledge accumulation and learning reserves. The national examination is partial to natural science, which is not easy to understand. It is necessary to demonstrate the learning and training of basic ability, and the difficulty coefficient of national examination is relatively large. In terms of speech comprehension, the People's Bank of China pays more attention to the analysis of the real words with the same topic in the logical fill-in, while the national examination pays more attention to the analysis of idioms with the same topic. The reading materials of the People's Bank of China are less than those of the national examination, but they pay more attention to the analysis of writing context, so the overall difficulty of the speech topics of the People's Bank of China is higher.
Two: on the subject of application.
Some application materials of China People's Bank exam are more focused on finance and economics, such as national R&D investment and financial indicators.
National examination materials pay attention to people's livelihood, such as: China's grain output, water output, China's application for new energy patented cars, and the operating income of the watch industry. And the difficulty of the exam varies with the accumulation of candidates' knowledge.
Three: in the economic and financial aspects.
For the candidates who take the economic and financial professional knowledge examination, the PBOC professional ability knowledge examination questions include judgment, single choice, multiple choice, short answer, discussion and calculation. There were no calculation questions last year, but there were calculation questions in economics in previous years, such as Solo model, manufacturer's profit, including knowledge not often involved in other exams, such as factor market, open economy model and economic growth model.
Generally speaking, the examination of economic knowledge points is comprehensive and difficult, and candidates need to be prepared. Finance is a little more difficult than economics, including money and banking, international finance, securities investment and so on. Short answers and discussion questions are often related to national regulatory policies, such as grey rhinoceros and black swan, and the transmission mechanism of monetary policy.
With the promotion of autumn recruitment, the recruitment of the People's Bank of China in 2020 is likely to be carried out at the end of September1early October. Please prepare for the recruitment in advance.
Are rhinos endangered? It is said that rhinoceros horn can't be bought.
Rhinoceros is the general name of rhinoceros, which is mainly distributed in Africa and Southeast Asia.
It is the largest Chiroptera and the largest terrestrial animal after the elephant. All rhinos are basically short-legged and stout.
Body fat is clumsy, with a body length of 2.2~4.5 meters and a shoulder height of 1.2~2 meters; Weighing 2800~3000 Jin, the skin is thick and rough, and it is arranged in folds at the shoulders and waist; The coat is rare and hard, even most of it is hairless; The ears are oval, the head is big and long, the neck is short and thick, and the long lips extend; The head has solid single or double horns (some females have no horns), which originated from the dermis and can still be revived after the horns fall off; No canine teeth; The tail is thin and short, and the body is yellowish brown, brown, black or gray. 1993, the State Council, China issued a decree prohibiting the use of rhinoceros horn.
There is no rhinoceros in China, so there is no rhinoceros species listed as a national protected animal. However, as a member of the Convention on International Wild Trade, China has always supported banning any trade in rhinoceros products.
There are several kinds of rhinoceros in existence.
Among the five existing rhinos, the black rhino has the worst temper, the rudest and fiercest temperament.
They are surprisingly violent and are said to be worse than leopards. Black rhinoceros's skin is dark gray, smooth, and its lips are hooked, which is as flexible as fingers and can send food into its mouth.
Indian rhinoceros is one of the most primitive rhinoceroses. Its skin is hard, thick, dark gray and purplish, with rivet-like nodules attached to it. There are wide pleats at the scapula, under the neck and joints of limbs, which makes the body look like wearing an armor. The horn at the front of the male nose is thick, short and very hard, so people also call it "the big one-horned rhinoceros".
The white rhinoceros has a large and square nose and mouth, so it is also called "square nose rhinoceros". White rhinoceros is the largest of the five rhinoceroses, with a body length of 5 meters and a weight of about 2,000 to 3,500 kilograms. Their skin is light gray, slightly lighter than that of black rhinoceros.
They are gentle and slow.
5. What's the difference between the written content of China People's Bank and the national examination?
Compared with the national examination, the content and difficulty of the national examination and the People's Bank of China examination seem to be the same for majors who only take the examination and apply for the examination, but in fact, it can only be said that the examination includes both the examination and the application, but the directions and materials of the two examinations are different, and the difficulty is also different.
In terms of test, from the point of view of the amount of questions, people can take 70 questions in 60 minutes; The national examination 130 questions, 120 minutes, requires faster answering. In terms of question types, from the quantitative relationship, it is difficult for people to walk because the question types are comprehensive and many knowledge points are investigated together, while the national examination is difficult because the knowledge points of the question types themselves are difficult, and the difficulty coefficient of people walking is slightly lower than that of the national examination; In data analysis, PBOC materials are single, financial and short-term, and mainly check the application of basic formulas. The national examination involves mixed materials, and many test sites are merged, so the calculation amount is larger than PBOC and the difficulty is slightly higher than PBOC. Judging and reasoning, people's test sites cover a wide range and need a lot of knowledge accumulation and learning reserves. The national examination is partial to natural science, which is not easy to understand. It is necessary to demonstrate the learning and training of basic ability, and the difficulty coefficient of national examination is relatively large. In terms of speech comprehension, the People's Bank of China pays more attention to the analysis of the real words with the same topic in the logical fill-in, while the national examination pays more attention to the analysis of idioms with the same topic. The reading materials of the People's Bank of China are less than those of the national examination, but they pay more attention to the analysis of writing context, so the overall difficulty of the speech topics of the People's Bank of China is higher.
In the application, the application materials of China People's Bank exam are more focused on finance and economics, such as national R&D investment and financial indicators. National examination materials pay attention to people's livelihood, such as: China's grain output, water output, China's application for new energy patented cars, and the operating income of the watch industry. And the difficulty of the exam varies with the accumulation of candidates' knowledge. For the candidates who take the economic and financial professional knowledge examination, the PBOC professional ability knowledge examination questions include judgment, single choice, multiple choice, short answer, discussion and calculation. There were no calculation questions last year, but there were calculation questions in economics in previous years, such as Solo model, manufacturer's profit, including knowledge not often involved in other exams, such as factor market, open economy model and economic growth model.
Generally speaking, the examination of economic knowledge points is comprehensive and difficult, and candidates need to be prepared. Finance is a little more difficult than economics, including money and banking, international finance, securities investment and so on. Short answers and discussion questions are often related to national regulatory policies, such as grey rhinoceros and black swan, and the transmission mechanism of monetary policy.
6. What do the specialized courses of China People's Bank learn?
According to the study of examination questions in recent years, we found that although the examination contents of the specialized courses of the People's Bank of China are various and difficult, the scope of the examination can be basically determined.
Economics mainly focuses on microeconomics and macroeconomics of Gao Hongye and Man Kun, and tends to study the understanding of various models, curves and theorems, which is just the difficulty in the learning process, such as cost theory, Cournot model and its calculation, game theory and so on in microeconomics. Various models in macroeconomics, such as income and expenditure model, IS-LM model, AD-AS model, open economy model, economic growth model, etc.
Finance mainly examines the knowledge of macro-finance, focusing on monetary banking and international finance, including financial markets, financial institutions, commercial banks, central banks, money supply and demand, monetary policy, banking risks, etc., all of which are key inspection points. In addition, we will also investigate some knowledge of microfinance, involving: investment, corporate finance and so on.
In contrast, the knowledge points of finance are more messy and detailed, but at the same time, they need to be mastered in depth to deal with short answers and essay questions. Of course, Chinese public education also has the test papers of all-pass and professional courses of the People's Bank of China for simulation training.