咱们中国延续了二十年的财富分配机制，现在正在发生巨大的变化。未来普通人月入三百以上的机会会在哪里呢？想要回答这个问题，只要一句话，货币流向哪里，财富就会流向哪里。
那货币会流向哪里呢？央行刚刚发布的二季度货币政策执行报告里面清晰的给出了答案，请你耐心看到，最后你一定会得到你想要的答案。
首先呢过去的二十年里面，我们知道房地产是经济增长最主要的动力，同时它也是最大的印钞机。贷款买房相当于是你把你未来三十年的工资一下都挪到现在用了。
土地和房产在开发、交易、使用、抵押的每一个环节里，都会伴随着货币的产生。房产创造货币，同时它也在吸收着货币，来自未来的货币，就这样缔造了咱们二十一世纪的经济奇迹。
但是他也造成了严重的泡沫以及财富割裂的问题。为什么呢？房产是结婚生子的刚需，对吧？但是在飙升的房价之下，有钱人终成眷属，没钱人亲眼目睹。
如果不扭转掉这种局面，何谈未来呢？于是现在咱们是操起斧头就砍啊。房地产的三加二红线堪称是史上最严的调控措施了。他一边限制地产企业的负债率。
一边又在限制购房贷款的占比，这样一来呢把货币创造的源头给掐住了。但是客观来讲，现在只是限制了你进一步去加杠杆的空间。对于那些存量的杠杆影响并不大。
所以不要指望房价会大跌，但是呢房产可能会慢慢的失去投资属性，变成流动性不高，收益率也不高的资产，他增值的速度甚至有可能都跑不赢房贷的利率。
所以呢贷款买房子这个事情在未来恐怕会越来越不再是一门赚钱的生意了。那你说房产卸载了，未来谁来扛起创造货币的这个重任呢？
在这次的货币政策报告里面，其实写的很明白了，咱们要发挥好结构性货币政策的牵引作用，对科技创新小微企业、绿色发展制造业等领域。
加大支持的力度。类似这种表述在报告里出现了十四次，更是直接点名要求保障关键技术公关企业的融资需求，指导商业银行对绿色低碳产业的支持力度。
好家伙，你看这直接相当于是摁着头掰开嘴，把货币往这些企业的嘴里灌的。这几句话不要小看它，对于投资者来说意义重大。为什么呢？我们复习一下重点。
货币流向哪里，财富就流向哪里。这份报告的表述直接给投资者圈了一个范围了什么呢？科技产业和低碳产业。那你说有的人他不做投资。
这个话有什么用呢？当然有用啊，我们需要进一步的分析一下这几句话背后的变革。我们要知道经济的增长有两个因素决定，一个是生产的效率有多高，还有一个是投出去的钱有多少。
过去呢咱们的经济增长严重依赖的是钱，靠货币来驱动生产效率没有出现质的飞跃。好比说一家工厂每年生产一百件商品，那我可以加大投资，把产能扩大一百倍。
经济不就增长一百倍了吗？但问题是这种用钱砸出来的增长会有很多副作用，比如说会产能过剩，会污染生态，会造成长远的经济损失。
所以呢现在咱们不打算再扩大产能了，而是要加大科技创新的力度，把每件商品的价值从十块钱做到一百块钱。而科技创新同样需要砸钱的。
也需要货币支持的。所以呢现在我们在干的事情就是把货币往科技创新这个事儿上去引导。要知道这一定会是一个非常痛苦的过程。把钱花在扩大产能，赚钱的速度肯定比花在创新上。
来的快呀。这个过程肯定会让咱们的经济数据不太好看。但是现在我们的信念很坚决，我们已经说了，不再追求高速增长了，数据不重要，发展质。
才是重点，而这个过程也会让每个人的生活发生改变。有一些人所从事的行业有可能会像路边的报刊亭一样消失不见。稍有不慎，我们就会被时代抛在身后。
过去的几十年里，货币都是流向那些短平快的领域，现在突然要转向了，一定会让很多人不适应，甚至不愿意去相信。但是这是一个划时代的转向啊，他是每个人应当重视的机遇。所以最后呢我给大家。
大家最直接的建议就是去学习，去考试，在你感兴趣的学科考研考在职最好是新型农业信息技术、新能源、新材料生物科技。有天赋的，你可以去读一下基础物理。
或者是进修一门技术考取证书，哪怕是律师证、心理咨询师证。因为未来商业模式的优势，还有资本的优势和劳动时间的优势都会慢慢弱化。
只有专业技术才会是我们月入三万以上的可靠。Our China's wealth distribution mechanism that has lasted for two decades is now undergoing tremendous changes. Where are the chances of ordinary people earning more than three hundred a month in the future? To answer this question, as long as one sentence, where the money will flow, where will the wealth flow.
Where will the currency flow? The second quarter monetary policy implementation report just released by the Central Bank gave clear answers. Please be patient and see. In the end, you will surely get the answers you want.
First of all, in the past two decades, we know that real estate is the most important driving force of economic growth, and it is also the largest money printing machine. Taking a loan to buy a house is equivalent to using all your wages for the next 30 years to the present.
In every link of development, transaction, use, and mortgage of land and real estate, currency will be produced. Real estate creates currency, and at the same time it is also absorbing currency, currency from the future, thus creating our 21st century economic miracle.
But he also caused a serious bubble and the problem of fragmentation of wealth. why? Real estate is just needed to get married and have children, right? But under the soaring housing prices, the wealthy eventually became family members, and the wealthy witnessed it with their own eyes.
If this situation is not reversed, how can we talk about the future? So now let's chop with an axe. The three-plus-two red line of real estate is the most stringent control measure in history. He restricts the debt ratio of real estate companies.
On the one hand, they are restricting the proportion of loans for purchases of houses, which will pinch the source of money creation. But objectively speaking, it only limits your room for further leverage. The leverage on those stocks has little effect.
So don't expect house prices to fall sharply, but the real estate may slowly lose its investment properties and become an asset with low liquidity and low yield. The rate of increase in its appreciation may not even beat the mortgage interest rate.
Therefore, buying a house with a loan will probably cease to be a profitable business in the future. Then you said that the real estate has been unloaded. Who will take up the important task of creating money in the future?
In this monetary policy report, it is actually very clear that we must give full play to the leading role of the structural monetary policy, in the fields of technological innovation, small and micro enterprises, and green development of the manufacturing industry.
Increase support. This kind of expression appeared in the report fourteen times, and it directly asked to ensure the financing needs of key technology public relations companies, and guide commercial banks to support green and low-carbon industries.
Good guy, you see this is directly equivalent to pressing your head and opening your mouth to pour currency into the mouths of these companies. Don't underestimate these words, they are of great significance to investors. why? Let's review the key points.
Wherever the money flows, the wealth flows. What does the statement of this report directly give investors a circle of scope? Technology industry and low-carbon industry. Then you said that some people don't make investments.
What's the use of this? Of course it is useful. We need to further analyze the changes behind these few sentences. We need to know that economic growth is determined by two factors, one is how efficient production is, and the other is how much money is invested.
In the past, our economic growth relied heavily on money, and relying on money to drive production efficiency did not make a qualitative leap. For example, if a factory produces one hundred products a year, then I can increase investment and expand the production capacity by one hundred times.
Hasn't the economy increased a hundredfold? But the problem is that this kind of growth with money will have many side effects, such as overcapacity, pollution of the ecology, and long-term economic losses.
So now we do not plan to expand production capacity, but to increase the intensity of technological innovation, and the value of each product from ten yuan to one hundred yuan. And technological innovation also requires money.
It also needs currency support. So what we are doing now is to guide the currency towards technological innovation. You must know that this will be a very painful process. Spending money on expanding production capacity will definitely make money faster than spending on innovation.
Coming soon. This process will definitely make our economic data look bad. But now our beliefs are very firm. We have already said that we no longer pursue high-speed growth. Data is not important, but development is qualitative.
That’s the point, and this process will change everyone’s life. Some people's industries may disappear like newsstands on the roadside. If we are not careful, we will be left behind by the times.
In the past few decades, money has flowed to those short-lived and fast-paced areas. Now it is suddenly turning, which will definitely make many people uncomfortable or even unwilling to believe. But this is an epoch-making turn, and it is an opportunity that everyone should value. So in the end I will give you all.
Everyone's most direct suggestion is to study and take exams. It is best to take new agricultural information technology, new energy, and new material biotechnology in the subject you are interested in. If you are gifted, you can read basic physics.
Or it is to study a technology to obtain a certificate, even if it is a lawyer's certificate or a psychologist's certificate. Because the advantages of future business models, as well as the advantages of capital and labor time, will gradually weaken.
Only professional technology can be reliable for our monthly income of more than 30,000 yuan.