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个人活期存款和流通中货币半年减少3万多亿元人民币

2017-08-29 10:41:29   央广网

央广网北京8月29日消息据经济之声《天下财经》报道,央行最新发布的7月份人民币信贷收支表显示:过去半年,个人活期存款和流通中货币合计大幅减少3万多亿元人民币。这些减少的钱都去哪儿了?

根据央行的数据,今年上半年,个人活期存款加现金减少了约3.12万亿元,同时,个人定期存款和非银金融机构存款合计增加了2.89万亿元。直观来看,这两类存款可能是减少的3万亿元的主要去向。

但是,还有一个数据需要注意,就是上半年活期加现金的减少金额是2016年同期的20多倍。显然,速度变化有点快,难道今年大家都把钱存起来了吗?不一定,这背后应该有非常给力的“加速度”存在。

目前,我国移动支付已经非常发达,特别是今年,无现金日活动的规模和社会影响力都远远超过往年,甚至引发了“拒收现金”是否违规的社会讨论。无现金社会的趋势越来越明显。这样的背景下,现金使用的频率降低也就不奇怪了。

反正有手机,没带现金就没带吧。那和手机绑定的银行卡里的钱,干嘛去了呢?这回不需要调查来说明,大家也知道,这钱可以放余额宝里。当然,这只是其中一个去处。余额宝属于货币基金,而货币基金已经是一种很普及的投资方式,这也使得日常生活中,人们没有必要再保留那么多的现金或活期存款。

总结下来,造成过去半年那3万亿元减少的深层次原因,主要有两点:一个是越来越明显的无现金趋势,另一个是规模飙升的货币基金。

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