通货彭涨：
这个社会文凭和人民币贬值太快了，让人实在赶不上通货彭涨的步伐。 在这大环境下，只有学会理财才能让自已的财产有一定的增值。比如存款10万元定期5年，现行利率3.6%，5年后折合人民币利息得1.8万元。那在这五年中通货彭涨上涨20%，你实际亏损了16.4%。购买力下降了。
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