It is understood that Lin Caiyi said, "Today, the business manager of the private banking department of China Merchants Bank called me from the head office (Shenzhen) and told me,' Have you encountered anything unsatisfactory in the bank credit card level in the last two months?' I understand that this is also a euphemism. Maybe she must be thinking, I abandoned China Merchants Bank's credit card and changed it to another bank's card. Even if I go bankrupt and lose my job, my monthly credit card bill is only 1 1.4 yuan. "

"I told her that I had been kept at home for two months and I didn't spend a penny. She asked, "You didn't spend a penny online, did you?" I said: the offline promotion of freight logistics has stopped. What else do you buy online? 1 1.4 yuan is the cost of purchasing Tencent qq music, and there is no need for freight logistics. ".

"The traffic has stopped, the consumption of the service industry has all disappeared, the freight logistics has stopped, and even the consumption of online shopping goods has disappeared. A private bank customer, a month 1 1.4 yuan's bank statement, how many businesses can survive? " Those who haven't been to Shanghai in these two months really don't feel the price of closing the city. "Lin Caiyi said.

According to the published information, Lin Caiyi, who now lives in Shanghai, is a doctor of economics from Fudan University, an outstanding authoritative expert from Shanghai New Finance Research Institute, an expert from China President's Economist Forum, and a member of the Expert Advisory Committee of China International Finance Forum. Engaged in economic and financial discussions for a long time.

According to the financial report of China Merchants Bank in the first quarter of 2022, as of the end of March, there were about125,200 private banking customers of China Merchants Bank (referring to retail customers with RMB assets/kloc-0.00 million yuan or more), an increase of 2.56% over the end of last year; Management Measures The total balance of private bank customer asset accounts was about 3.5 trillion yuan, up by 3. 15% over the end of last year, and the per capita property was 27.9657 million yuan, up by16140,000 yuan over the end of last year.

The data shows that the pressure of retail credit risk has increased, and the loan ratio has increased by 0.06 points compared with the end of last year. In the first quarter report of China Merchants Bank, it was mentioned: "From June+0, 5438 to March, 2022, the epidemic situation in China was released at many points, which caused great harm to small households, self-employed households and their employment and income. The retail credit risk of this enterprise is manifested in the gradual increase of work pressure. "