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据专家预测,2011年的通胀水平会比较高。假如居民在2010年初办理了一笔1万元的一年期定存,按照当时的存款利率2.25%计算,到期可以拿到10225元;但2010年全年CPI“破3”已成定局,若按机构预测的3.3%来计算,实际只能购买9670元的东西,存了一年相当于损失了105元。其实质是货币资产相对实物资产的贬值,货币购买力打折,也就是我们通常所说的“钱不值钱了”。要减少通货膨胀引起的资产减值,最有效的办法就是减少收益率低于通货膨胀率的投资及现金持有,如收益率较低的债券和存款等。相反,老百姓可以提前消费和增加负债以抵御通胀。
Experts predict that inflation will be higher in 2011. If a resident handled a one-year fixed deposit of RMB 10,000 at the beginning of 2010, it would be calculated based on the deposit interest rate of 2.25% at that time and could reach RMB 10225 when it expires; but in 2010, the year’s CPI “break 3” has become For the foregone conclusion, if the calculation is based on the agency’s forecast of 3.3%, it can only purchase 9670 yuan worth of things, and saving a year equals a loss of 105 yuan. The essence of this is the depreciation of money assets relative to physical assets, and the purchasing power of money is discounted, which is what we commonly call “money is worthless ”. The most effective way to reduce asset depreciation caused by inflation is to reduce investment and cash holdings with lower returns than inflation, such as bonds with lower yields and deposits. On the contrary, ordinary people can spend ahead of time and increase their debt to resist inflation.