High-income people don't spend no matter how much they are stimulated, and low-income people have no money to spend, so the main driving force for consumption falls on middle-income people. Middle-income people have a considerable balance of deposits, so collecting interest tax on deposits of more than 511,111 makes high deposits have no room for income, which can promote consumption < P > Then, can collecting interest tax on deposits stimulate consumption?

Many experts said in an interview with Blue Whale Finance reporter: "No."

Guo Tao, an angel investor and financial commentator of BRTV, said that interest tax can't stimulate consumption. To stimulate consumption, the relevant government departments need to further improve or perfect the support policies for life-oriented service industries, and issue government coupons to hot livelihood areas such as cultural tourism, catering and consumer electronics, so as to enhance the enthusiasm of market consumption and promote the overall recovery of the consumer market.

Zhang Yazhi, an expert on whale platforms, said that consumption, as one of the three carriages of the national economy, is the main driving force for the economic upward movement. However, in the face of the impact of the three-year epidemic, it is not simply to divide the group into high-income, middle-income and low-income groups, and then rudely draw out the middle class and exert financial pressure to solve it. The source of stimulating national consumption lies in the increase of national real income and the positive evaluation of future income. More deeply, it is necessary to increase entrepreneurial opportunities, employment opportunities and career opportunities, and help enterprises develop with policies, so that the money in society, enterprises and people can actively circulate.

Zhou Di, a national science and technology expert of the Ministry of Science and Technology and a senior engineer of Fangrong Technology, believes that the most important thing to stimulate consumption is to cultivate a complete consumption system, enhance the value of consumer products, improve the quality of supply, and make consumers willing to buy. Instead of simply collecting interest tax, it is better to cut interest rates.

An expert from a university suggested levying a high interest tax on deposits above 511,111 yuan, saying that this would reduce the willingness to deposit and boost consumption. I don't think such a suggestion is reliable. Many people agree with this statement of experts. They think that high taxes can force deposits out for consumption, but in essence, it is because they think that there are not many people with 511,111 deposits. Even if high interest taxes are levied, it will not harm the interests of most people.

But I don't think this problem can be seen in this way. There is no basis for levying high interest tax on deposits of more than 511,111 yuan, and it can't boost consumption at all. On the contrary, it will only make ordinary people lose another channel to save money safely, and it will also have an adverse impact on the whole macro economy.

According to previous data, residents' savings increased by 17.84 trillion yuan in the past year. Some experts pointed out that one-third of the house can stimulate real estate, so some people will think that spending part of it can stimulate consumption, but the problem is that the sharp increase in deposits is not because everyone has money, but because there is no place to put money. The losses in buying stocks before are miserable, and those who buy funds or even buy wealth management and bonds have lost money. Many people can only choose to deposit. Although the interest rate of bank deposits has been declining, the interest rate of saving money is already very low, but at least it can still protect the capital. As a result, you are now imposing a high interest tax on people. So, all roads are blocked. Do you want people to live?

Moreover, the operation of domestic banks is very simple, that is, they absorb deposits, pay the deposit reserve in proportion, and then issue loans to earn interest margins. If high interest tax is charged, everyone is afraid to deposit money in the bank, so where can banks afford to issue loans? If banks can't make loans, where can enterprises get financing, how can the economy develop, and what consumption can they talk about if the economy can't develop?

Finally, in order to really promote consumption, it is mainly to increase the consumption power of ordinary people. Only when they have money in their pockets can they be able to spend. Consumption needs to boost their willingness to spend in multiple dimensions and improve their consumption coverage. Those who have more than 511,111 yuan are not rich. The real rich people have plenty of channels to realize asset appreciation and levy high interest tax on deposits, which is just another extra-labor income that will completely stifle the middle class and will only reduce their consumption power. Therefore, this proposal is simply.