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作者与银行行长交谈后,对当前经济形势发表看法。作者认为,当下投资、出口和消费这三驾马车均面临困境,投资方面,政府和企业投资动力不足;出口受逆全球化影响,“中国制造” 遭排斥;消费则因居民房贷车贷压力大,消费水平受限。作者还将中国经济发展与日本对比,指出存在相似之处,如半导体产业发展受阻、房地产泡沫等。最后,作者建议个人在经济下行时降低需求、多生孩子,同时感慨个人在时代浪潮下力量渺小,要顺应时代变化。 After talking with a bank president, the author shares his views on the current economic situation. The author believes that the three major drivers of the economy - investment, exports, and consumption - are all facing difficulties. In terms of investment, both government and corporate investment are lacking in motivation. Exports are affected by anti - globalization, and "Made in China" is being rejected. Consumption is restricted by the high pressure of residents' mortgage and car loans, which limits their consumption levels. The author also compares China's economic development with that of Japan, pointing out similarities such as obstacles in the development of the semiconductor industry and real - estate bubbles. Finally, the author suggests that individuals should reduce their demands, have more children during the economic downturn, and laments that individuals are insignificant in the tide of the times and should adapt to the changes.