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Jingdong book

简单最实用经济学系列丛书:百姓身边的经济学

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简单最实用经济学系列丛书:百姓身边的经济学

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经济学跟我们老百姓的日常生活息息相关,我们自觉不自觉地都会经常用到一些经济学的原理。可惜的是,很多老百姓不善于运用经济学。其实,经济学不是一门将普通百姓拒之门外的高深学问。本书以普通百姓的视角,从经济学的构架、市场价格、收入与消费、产量与价格等方面,用最简单的语言讲述经济学故事,以及看似深奥难懂的经济学知识。看完这本书后,你会明白为什么雨天难打到出租车?为什么几乎没有客人光顾,有些小餐饮店还照常营业?两元店如何盈利?你会发现经济学原来也这么简单实用、好玩又有趣。
Author Description

李俊,青年经济学者,BW中文网专栏作家,近年以来在《经济学消息报》、《经济参考报》、《先驱报》、《浙江经济》、《经济学家茶座》、《新经济》、《深圳晚报》、《第一财经日报》、《江南时报》、《博客天下》等国内知名报刊、经济学类核心期刊以及国外报刊发表经济评论、书评、经济随笔等几百篇,出版过《为什么剩女不结婚》、《喝茶聊经济学》等图书著作。
Comments

★我看了李俊的文章,写得很好。
——著名经济学家茅于轼

★我看了几篇李俊的短文,说实在的,很喜欢。
——中山大学副校长陈春声

★你可以从此书中得到很多想要的——它有时就像你的财经顾问,有时就像你的爱情顾问……总是能用经济学常识告诉你问题的缘由。李俊的经济学就像文学中的寓言,能在简单的“故事”背后带给我们启发。
——青年经济学者高敬
Catalogue

名家推荐
序言我写这本书的初衷
壹怎样应对通胀
老百姓应该如何应对通胀
通胀背后的真相
现在的油价为什么总在涨
钱会越来越不值钱吗
人人都成为“百万富翁”并非梦想
贰人民币升值的乐与忧
人民币升值对老百姓有好处吗
人民币升值对中国经济有什么影响
鼓励内供有利解决人民币升值的弊端吗
叁躲不开的房子问题
买房时机到来了吗
买房好,还是租房好
“房价若降中国完了”的观点对吗
小产权房应该合法化吗
为何房价远远高于建筑成本
中美房价是否可比
20世纪90年代房价是如何暴跌的
从经济学角度再看租房
肆交通经济学
为什么99%的网友投票反对年票
河南农民逃路费案的经济学分析
伍教育问题怎么解决
农村学校撤并,如何走出两难境地
为什么说高校倒闭潮离我们不远了
免费教育与课外辅导班之间有何联系
黄冈中学为什么逐渐衰落了
学校花钱买学生有错吗
为何现在优秀学生当老师的越来越少
陆面对“万税”怎么办
不能用税收“劫富济贫”
增税会成为百姓无法承受之重
房产税来了,楼市能“长治久安”吗
柒自由贸易有何好处
借汇率搞贸易保护的行为愚蠢吗
降低关税到底为谁省钱
贸易自由和贸易保护孰好孰坏
捌未来,我们拿什么来养老
仅凭社保能养老吗
为什么说计划生育会产生养老危机
未富先老怎么办
玖国企垄断与百姓之苦
地方政府搞城际铁路的利弊是什么
中国电信和联通为何遭遇反垄断调查
中国电价到底高还是低
利率市场化对中国银行业有哪些影响
为何我们国企利润不可以全民分红
为何民企500强不敌央企两巨头
拾人口问题的真相
人口少就能致富吗
为什么说挡不住中国人口进入负增长
巨大的老龄化真的能拖垮经济吗
适度人口论是荒谬的吗
拾 壹传销就是一种简单的金钱骗局
直销业路在何方
广西北部湾“资本运作”是一场骗局吗
对传销最有力的打击是什么
拾 贰为什么免费的东西有价
为何免费的李子不可口
为何不劳动也可以带来收入
为何超市在节假日促销
为何民营中巴有四折的学生票
拾 叁民生之困中的玄机
砸冰箱式中国维权“彪悍”还是“无奈”
天价年夜饭是如何炼成的
从经济学看男主外女主内
福利国家未必值得羡慕
为何黄牛党屡禁不止
为何有的贫穷地区的消费比发达地区的要高
拾 肆勤劳而不富有的原因
为什么我们还是这么穷
为何说中国劳动者为他人作嫁衣裳
谁妨碍了我们致富
华西村真的是天堂吗
土地私有化利于缩小城乡差距
为什么大学生工资越来越低
为什么我们的工资跟不上GDP的涨幅
拾 伍我们的困境和出路
为何市场经济让一代“首富”走向没落
新的“深圳速度”将何去何从
鄂尔多斯的煤炭还能开采多久
Book Abstract

人人都成为“百万富翁”并非梦想
30年前,没几个人是“万元户”,但现在资产超过100万的家庭却不少。你能成为“百万富翁”吗?其实这不是梦想。
其实,对于绝多数人来说,成为“百万富翁”并非梦想。首先声明一下,这不是一篇谈论成功学的文章,而是经济学分析的文章。“万元户”这个词语,我想对很多人来说,都不会很陌生。
所谓的“万元户”,就是收入或者存款1万元以上的家庭。当年,有多少人羡慕这个“万元户”。如今,30年时间过去了,“万元户”却成为贫穷的代名词。时寒冰在《经济大棋局,我们怎么办》这本书上说到,“1981年的‘万元财富’相当于当时人均储蓄的200倍,折算到现在差不多是255万元。”当年,国家干部月工资二三十元,所以“万元户”对于很多人来说,都是可遥不可及的梦想。如果月工资二三十元,不吃不喝三十年也未必拥有一万元存款。
30年之前,没有几个人是“万元户”,但是现在资产超过100万的家庭却不少,甚至超过千万都有很多。之所以这么多“百万元户”,甚至“千万元户”,这和改革开放、经济增长有关,但是更和通胀有关。通胀的推动下,让更多人跨入“百万富翁”的队伍之中。特别是很多城市房价10年上涨10倍,所以很多人一不小心就成为“百万富翁”。十年前,很多房子只值10几万元,或者20万元左右,但是在房价上涨的贡献下,他们很快就身价超过100万元。
央行网站公布的数据显示,人民币广义货币供应量1999年为11.76万亿,2000年为13.24万亿,2001年为15.28万亿,2002年为18.32万亿,2003年为21.92万亿,2004年为25.01万亿,2005年为29.6万亿,2006年为34.55万亿,2007年为40.34万亿,2008年为47.51万亿,2009年为60.62万亿。2011年末为85.16万亿元。
时寒冰在《经济大棋局,我们怎么办》这本书上提供一份数据,“为了更好地说明这一问题,我们不妨把中美两国的M2对比一下:1990年,中国的M2余额为1.53万亿元,2010年年末已经达到72.58万亿元,20年间,M2增长了46.44倍。美国1990年M2为3.28万亿美元,2010年年末为8.848万亿美元,20年间,M2增长了1.69倍。”
全国人大财经委副主任吴晓灵更是直言地说,“过去30年,我们是以超量的货币供给推动了经济的快速发展。”超发的货币,导致的后果就是物价不断上涨。十年前,猪肉每斤价格6到8元之间,现在普遍20到30元,个别地方甚至超过30元。
一直以来,都有各种激励书籍,说如何让你成为“百万富翁”。其实,“百万富翁”离我们并不遥远,只需要政府多发一些货币,或许就可以实现人人都是“百万富翁”。通胀偷走了大家的财富,但是给予大家“百万富翁”的头衔。
……
Introduction

我写这本书的初衷
住房、通胀、医疗、就业等问题,我想是很多黎民百姓都关心的。造成这些问题产生的原因是什么?那么有什么方法解决这些问题?他们很想知道问题的答案是什么。
我知道很多普通读者,并没有接受过经济学专业的训练。因此,我想他们很需要一本通俗易懂的经济学书籍,从而告诉他们事情的来龙去脉。这样的背景下,我就用一种通俗易懂的文字来解读当前热点的经济现象。
这些年以来,中国的劳动者平均税率不断上升。因此,经济增长了,老百姓的收入却没有多大增长。中国劳动者面对高税率,赚到的钱有很大比例不能归属自己,所以中国劳动者在为他人作嫁衣裳。
很多人迷信社保养老,但是这种想法可能是错误的。很多人在年富力强之时缴纳了数十年高额的“养老险”,等到有机会享受时,却发现那些钱少得可怜。未来老年人口越来多,社保金的压力将会越来越大。或许,即使到70岁时退休也未必应付得了,所以有可能继续推迟到75岁,甚至更高的年龄。当人们获得真相之后,就可以提前做好计划,避免凄惨的晚年。
很多人都觉得房价只涨不跌,所以盲目买房。内地房价的疯狂,我们如何看待?未来房价是否暴跌?香港的楼市能否给我们一些启示?1997年以前,香港的房价高涨得不得了。恰好这时出现了亚洲金融危机,就把楼市打压下去。当年,很多炒楼者大量购人房子,结果损失得非常惨重,这里还包括不少明星。如今,内地房价就像当年香港那样暴涨,出现了大量炒房者。
面对高物价,老百姓又该如何应对通胀?有什么方法能够守住财富,而不被通胀吃掉。未来几年,中国经济将发生什么变化?或许,这本书并不能给你直接的答案,但是却让你得到启发,从而帮助你找到答案。但愿你读完这本书,你可以说,“我知道怎样做了”。其实,这本书并不是牵着你走路,而是在引导着你做出选择。
说到投资,很多人都是非常重视很直观的收益,同时会忽略一些相当重要的东西。健康投资是很多人忽略的,实际上这个收益也是很大。很多人平时不太注意自己的身体,有钱不舍得吃,结果身体出毛病了,接着就是一笔昂贵的医疗费。对于穷人来说,经济允许条件下,应该吃好一点,舍得花一点钱。否则,吃药的钱就geng多。因此,健康投资也是应对通胀的方法。大家都知道看病越来越贵,所以这个不要掉以轻心。
当然,这本书只是我个人想法,不一定是对的。因此,我只是希望能够给读者提供了思考的平台而已。我相信这本书也有很多不足的地方,并且也有一些片面之见。因此,我很乐意接受读者的批评建议,一起探讨和交流。

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