What Are The Financial Problems That Companies Are Worried About?

The survey found that the financial problems of people of different ages, occupations and incomes have obvious characteristics.

Among them, the most sensitive and influential is the price changes of urban residents living and investing in real estate. The concerns about housing prices, whether appreciation or depreciation, are prevalent in all major cities and occupations of all ages.

In terms of time, the group with high incomes compared with the relatively low income group paid more attention to the long-term financial problems such as retirement, medical care and so on.

In short, with the rapid increase of China's per capita income, we need to pay more and more bills for ourselves. Housing loans, rent, education and medical expenses gradually occupy the dominant position of family capital outflow.

Our financial problems are getting entangled more and more complicated.

This should be a good thing. It gives our life more direction.

That is, the interlacing and settling of various financial problems has become the theme of our personal economic life.

1, buy a house problem

Of the surveyed companies, 36% of the companies put the housing finance problem on the top of the most worried financial problems.

Concerns about buying and buying homes, including the impact of rising rent and interest rates on mortgage loans, have been felt throughout all occupations, ages and regions.

The rapid rise of real estate prices in major cities in China since 2005 and the 6 increase in interest rates of the central bank on the deposit and loan interest rates in 2007 - the two cases were originally reversed economic behavior, that is to say, the central bank's interest rate increase was intended to stabilize the real estate prices. Instead, it made a big difference in the common nerves of people living in big cities in China, whether they were buying a house or not buying a house.

The most concerned about the age of the company is mainly 28-33 years old. The rising housing loan amount is a difficult choice for their income to repay the loan ahead of time or continue to pay the loan.

People who are difficult to control the cash flow of daily life are roughly divided into three parts.

Some of them are new companies who have just entered the workplace. They enjoy the wealth that they can control their wealth. These people prefer the cash to the company groups of other age groups. They are like the birds in the same age, and compare with the daily consumption of the students during the school days.

Another type of cash flow perplexer is the relatively low disposable corporate income group.

Next is the part of the crowd who likes luxury goods and whose income is not high.

With the richness of life experience and the increase of income, the richness and management level of cash flow will gradually improve.

Cash flow puzzled people accounted for 18% of the total surveyed population.

In the survey, we found that credit cards became the "public enemy" of cash flow confused people. More than 70% of people who felt that "cash is not enough" felt that credit card consumption would cause cash flow to be more difficult to control than cash consumption. Giving gifts to each other was another cash killer that was mentioned more. Some of the gifts given by the respondents were the main role of their monthly consumption.

3, medical treatment

The total number of respondents who looked at the most worried financial problems for medical illness was 15%.

People over the age of 30 worry more about this problem, and more investment in medical insurance still makes them feel uncomfortable.

At the age of 30, a lot of symbolic figures seem to give people a hint that many companies start to take their medical insurance, physical exercise and physical examination from 30 years of age to a very important position. However, the contradiction is that more than 80% people know little about the scope of medical insurance, the coverage of serious illness and the specific expenses, and 60% of the people have prejudice against insurance companies.

According to insurance experts, today, if a person who lives in a big city in China lives to 80 years old, the inflation rate will be 4% yuan, and the related medical expenses for serious illness will reach about 1 million yuan.

According to statistics from the Ministry of health, the average annual outpatient expenses and hospitalization expenses of urban and rural areas have increased by an average of about 14% annually after excluding the impact of price rises.

So, from the future, the medical cost is indeed a more creepy figure.

4, always feel unpredictable financial risks.

This somewhat puzzling question is generally considered to be a financial problem and accounts for 11.5% of the number of people interviewed.

According to the survey, most companies who save money for unforeseen financial problems tend to concentrate on jobs that are more risky, fiercely competitive, more variable in income and having a great impact on their work.

5, the rising cost of living caused by inflation.

It is considered that the biggest financial problem of inflation is the 7% of the proportion of respondents.

What is surprising is that in addition to paying more attention to the concerns of some people on the cost of living, there are many quite high income companies who are sensitive to the impact of inflation.

Li Hui, the sales manager of the gas appliance company, said: "he is more sensitive to inflation because he likes traveling and adventure activities, and oil prices remain high from 2006 to 2007, and other car related expenses such as parking fees are on the rise. If not driving, the high ticket and hotel accommodation also restrict the number of trips he travels.

It is believed that if we make minor adjustments to the survey time, such as putting the survey time in the middle of 10 months in 2007, or in January 22nd or January 28th of 2008, the proportion of those who make investment losses as the foremost financial problems in the survey results will certainly change greatly.

The result of our survey is 6%.

In the survey, no interviewee can invest again through fund raising companies or brokerages. If it is not for borrowing money or living expenses for securities investment, even investment miscalculation can not be regarded as a financial burden. The anxiety caused by the loss of securities investment seems to be a psychological category.

7, old-age security

The respondents who are worried about the old-age security are characterized by relatively high income. They are relatively old in the survey. The percentage of the respondents is 5% of the surveyed population.

In a rapidly changing society, it is hard to predict decades later. How much money can be saved to make a good life is a worry for quite a few high-income earners.

8. Children's education

It was thought that the financial problems related to children's education would be relatively close in the survey ranking. However, according to the survey results, the respondents who ranked the number one in the survey accounted for only 2% of the surveyed number, which is related to the relatively small age of the respondents. But it also reflects that Chinese companies pay more attention to their own problems.

Focusing on children's education is basically a family with children and children ready to enter the school's family.

And there are many other financial problems involved in children's education. For example, some families need to buy houses near such primary schools in order to enable their children to go to a better primary school, and the housing prices in such areas are generally relatively expensive, and new financial problems like these arise again.

9, pay cuts

Because the age of the survey is relatively small, there are many people who worry that their salaries will be reduced, but there are not many people who regard him as the most important financial problem, but less than 2% of the respondents.

Almost all of those worried about reducing salaries are women. The reason why they worry about reducing wages is mainly due to their physiological objective conditions. They believe that pregnancy, raising children and caring for their families are traditionally considered to be more women's commitments. They will distract their energy and reduce their competitiveness in the workplace, resulting in the reduction of new water.

But most of the respondents, because of the prospects for China's economy and their own value, more than 80% think that their incomes will grow steadily in the next few years.

It seems that although faced with various financial problems, the majority of young companies are confident of their future.

The survey found that the biggest concern of monopoly industries or government workers is this kind of financial problem, accounting for 1.5% of the respondents.

The career development path of the public servants represented by the civil servants is relatively stable. Although the income is not large, the welfare benefits are relatively comprehensive. They mainly meet their basic living needs and disperse their financial burden through throttling, long-term savings and reasonable planning.

Many of these occupations are tempted by some high income outside the antibody system with a patient attitude to expect better treatment and income from civil servants.

Through investigation, it is found that the most worrying financial problem of professionals who are similar to Yu Gong Gong's financial concept is that the changes in government or monopoly industries due to policy changes lead to a decrease in their industry income or treatment.

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