First of all, the central bank lowered the deposit reserve ratio in a targeted manner to solve the funding problem. Now, the central bank has lowered the deposit reserve ratio twice, releasing more than 1 trillion yuan of liquidity, filling the bank pockets with money and wealth.

Second, let banks dare to lend. During the epidemic, the entity enterprises did not operate well, and banks were unwilling or unwilling to lend money based on risk prevention and control. On this issue, the CBRC has also issued a series of policies to guide. I am most afraid of policy and implementation, and the delivery will not meet expectations and the policy will not be implemented.

Third, make corporate loans useful. Now that the enterprise is basically closed, the first thing to be solved is to make the machine turn. If you want to move to the second place, you must have employees, raw materials and product sales, which requires opening up the enterprise development chain. When these problems are solved, the liquidity problem of enterprise development appears, and enterprises are confident that lending banks will dare to lend!

At the beginning of 2020, small and medium-sized enterprises in China will struggle! Push! At this time, the state implemented the targeted cuts to required reserve ratios, which showed concern for the entity enterprises and helped them tide over the difficulties! Of course, this is just a good start, not an immediate performance! Come on! ! ! ! Confidence!

There are two things in the world that are the cleverest, one is talent and the other is money. Money will definitely go to the best and most profitable places, and so will people.

1. the first question at first glance, the first impression will be that the real economy is not as profitable as finance and real estate. In fact, we look at the real economy narrowly. From chip aircraft manufacturing to catering retail and garment OEM, there are very successful enterprises. Didn't the founder of Haidilao "accidentally" become the richest man in Singapore because he joined Singapore citizenship?

Therefore, whether the money released by the central bank can become the living water of the real economy, every entrepreneur, entrepreneur and even employee needs to show the "artisan spirit" of hard work, hard work and innovation, because every so-called sunset industry will have its own industry leader.

If a business model is really completed, you can earn money in a down-to-earth manner, and naturally there will be capital to come and seek cooperation opportunities.

Make yourself a smart person and create smart real economic opportunities!

2. From the perspective of currency circulation channels, in the era of great innovation and development of financial products (10- 15), financial institutions such as bank brokers have a large number of financial products, which can easily and quickly hand over funds to entities in need (although in fact real estate enterprises get more, which is the result of financial institutions' market choice).

Since 16, financial deleveraging and supply-side reform have suppressed the channels of capital circulation to some extent. For example, many capillaries are blocked, which makes the real economy feel the difficulty of financing.

However, during this period of financial supervision, in fact, many "Ponzi scheme" business models have been eliminated and have no profitability. It also allows many financial practitioners to return to their roots and think about financial products from a really good business and a good source of repayment.

Big waves wash sand, the real king can only stay after the tide recedes!

The targeted reduction of the deposit reserve ratio benefits from joint-stock banks including China Merchants Bank, which have assets, customers and a relatively perfect risk control system in the real economy. Therefore, it can be predicted that the channels for serving the real economy will become wider and wider.

Now, the real economy, at that time!

Personal understanding and suggestions:

In the long run, physical investment has always been the most stable and valuable investment. From this point of view, if you want to invest in entities, you don't want opportunities and don't stare at the huge profits of the virtual economy.

In the short term, for most industries, now is not the best time.

On the one hand, it takes time for market industries to recover, and some industries may recover in half a year, such as technology entities; Some industries may take 3 to 5 years, or even longer. For example, some automobile-related industries are in a century-long period of change, and I am afraid it will last for 10 years; And some industry entities may not be able to recover.

On the other hand, from the perspective of asset purchase, it is expected that there will be an active period of asset purchase from the second half of this year to the end of next year, and some industries may have more frequent acquisitions and reorganizations.

We can wait and see.

What the real economy mostly lacks is not capital, but the profit space of enterprises. Some enterprises have lost money in recent years, and many enterprises are afraid to invest if they have money. Monopoly has squeezed the profit space of non-monopoly and related industries.

I am glad to participate in the discussion of this topic. In my opinion, unless it is an investment with a fixed goal, we should consider the risk of interest rate policy. From the investment point of view, as long as the research is sufficient, there are market prospects and good income expectations, it is always right. Of course, you may need to think more about your own position of allocating risks as a whole.