(Su Shengyang reads navigation of money FX123 foreign currency)
Japanese bank deposit will achieve those who went out 16 years to come May the biggest amplitude, bank deposit will grow Japan compared to the same period May 10.1% , from 2017 since the rate with the rapiddest growth. Enterprise and family are putting money with unprecedented speed, among them the deposit of financial orgnaization reached record-breaking level.
The data of Japanese Central Bank shows, in May Japanese M3 (the currency of financial orgnaization and deposit) than last year the corresponding period grew 4.1% , this is the biggest amplitude since 2004. And be in April, it rose 3.0% .
Among them, the deposit of financial orgnaization will rise in May 10.1% , achieve the fastest amplitude since 2017, reach record-breaking 770 trillion yen (it is 50 trillion yuan of RMBs about) .
In period of Japanese economy bubble, the deposit that Japanese banking draws, use at usury commonly leasehold wait to the enterprise, the rest can be used at buying Japan debt, it seems that how many money is used not quite. But the times changed now, japanese economy is low fan, praedial market also is in winter, decrease plus population, little child the effect that advanced age changes, japanese deposits money to prevent old and much love, the person that wants to lend money and enterprise decrease, just show level to touch on epidemic situation, it is a family not just, company capital flow also is decreasing, bank of store up sink. Because this bank savings is many odd.
Deposit is increasing, to banking not be meddlesome, arrived to allow a bank almost hard susceptive degree. If Japan does not adopt policy, revitalize Japanese economy from the foundation, of the person that Japan deposits money be on guard consciousness is met more intense, cause Japanese economy finally inflexible and cannot circumgyrate.
One of 3 big banks of Japanese Kang Bo of cane of assistant of president of group of lucky spic banking says, "The capital amount that absorbs exceeded the range that can use " . Japan since began to implement negative interest policy 2016, although the accrual of long-term bank savings also has 0.014% to control only, if be common deposit lower, have 0.001% only. Arrived 2019, japanese Central Bank is fiducial interest rate falls to - 0.1% , 10 years period national debt yield 0% , asset buys dimensions changeless. The purpose of these act should reduce bank deposit namely, but bank deposit still has add without decrease. Although be below the policy of negative interest rate of Japanese bank, saving interest rate is almost 0, but in old people is putting money continuously all the time, allow Japanese banking very headache.
Japanese chatting topic can involve investment to make money scarcely. Japanese is not good at conduct financial transactions, the preference deposits money, and still love the deposit in the cabinet in the home, still be born socially a vocabulary cries " the cabinet deposits money " . For stable to seeking safety Japanese, the risk of investment lets them feel horrible, and media also regards financial firm as the shocking gainer of sudden huge profits. The Japanese society of goodness is considered as in hardheaded job, opportunistic gain profit not to suffer praise highly. Like to pass besides partial youth fry, fry collect wait for means to make money besides, japanese old people thinks only deposit just is safe.
What is the reason that that Japanese favores deposit? Why to like investment?
Lift an example to be clear about:
Interest rate of saving of Bank of China 1 year 1.75% , inflation is led 5.2% , your money puts the in short to the bank one year to have a deficit 3.45% .
How don't you fry foreign currency to do? Do not become hard still go buying now year turn profit only remnant the remaining sum treasure of 1.5% ? Or forever A of 3000 bits?
And interest rate of Japanese bank deposit - 0.1% , inflation is led 0.1% , common people keeps the demand of the value without belongings almost, dry go risking bigger investment risk?
