Some people say that the government will not sit idly by while white-collar workers go bankrupt. In fact, the Government certainly does not want to do so. But some things ... I don't know. Think about the laid-off workers in those days. Caused such a big social shock. what can I do? Today's white-collar workers will go bankrupt tomorrow.
Over the past 20 years of reform and opening up, China's economy has developed rapidly. But the old system has not completely changed. Various important industries still implement the government monopoly mechanism in their operations. Such as banking, finance, metallurgy, energy, information, transportation, medical care, education and land. In the early days of reform and opening up, it was impossible for China to carry out all-round reform and opening up to these things. But today, the contradiction brought by monopoly operation is increasingly prominent.
The first is real estate. Due to the imperfect legal system in China, especially in the fields of finance and reform, all kinds of mistakes have led to the continuous rise of real estate. With the increase of real estate and the concentration of migrants in big cities. Therefore, the income of new urban workers, the so-called "white-collar workers", is also rising on the surface. Take Beijing as an example, the monthly salary of 3000- 1.5 thousand can be seen everywhere. But this part of the income is mainly used to pay for renting or repaying loans.
To deeply understand why 99% of white-collar families go bankrupt, we must first understand why housing prices are so high. Where is the height? Does money work? White-collar workers here refer to people who are buying or preparing to buy a house. ) and the related impact brought by the development trend. This article will be explained to you in three stages.
1: the first factor leading to the skyrocketing housing prices: the liberalization of loans under the competition of banks.
In fact, the explosion of housing prices is mainly because ordinary people are paying for the government's mistakes. For example, a developer used to borrow 6,543,800 yuan from a bank to develop a house. If you don't pay back, it's bad luck for him, because all banks are a system. If you don't pay back the money, you will never have a chance to turn over. However, China is open to the outside world on the basis of banking reform. In order to compete among banks, all ICBC, ABC and CCB operate independently. It should have been a good thing. But the problem is that these banks are not private, but state-owned. We can easily imagine. What happens when a developer borrows 6,543,800 yuan from ICBC? He only needs to develop a house with 5 million yuan, then raise the price, and then mortgage the house under development from the Agricultural Bank to 20 million yuan according to his price standard, and then use 6.5438+million of the 20 million yuan to develop a house with a higher price and mortgage 40 million yuan from the Construction Bank. This is the snowball-like crazy loan model.
It doesn't matter whether the house can be sold. The key is that house prices should be high and prices cannot be reduced. Anyway, the bank's money is not private, because there are "legal" high-retail properties as collateral, so it is easier and easier to borrow money from the bank.
Then the result is that house prices can only climb but not fall! Because you can't fall! Once it falls, the money lent by the bank will never come back. This is a government bank, government money! Therefore, in order to block this black hole of funds, some bribed experts and the media began to create public opinion crazily and coerce people to buy houses by various means of public opinion.
For example, land resources are so tight that if you don't buy a house, you will have to live in the suburbs in the future. People want to buy a house. In fact, it is impossible to live in the city center. Urban residents are a process of exchanging the old for the new. Those who want to work live in the city, and the elderly like to live in the suburbs when they retire. As long as the population does not explode, there will be no situation in which office workers cannot live in the city center. Although these public opinions have caused many people to buy houses, it is only in this way that house prices are not as high as they are now. Then the government made a second mistake.