现在的实体经济为什么这么困难？
当前实体经济十分困难，是因为我们国家正处于经济转型升级的关口，这个关口过去之后，会带来巨大改变。导致转型期实体经济困难的主要原因有三点：
1、经济模式改变，实体经济需要重新定位。
说白了，就是早期好赚钱，导致过度投资，过度投资带来过度竞争，过度竞争在现在阶段集中爆发，几乎所有产业都处于产能过剩状态，这样大家日子不好过。
但在这个不好过的时候，大型企业比小微企业好过；国营企业比民营企业好过。有一些大型民企也不好过，主要是过度扩张带来的，因为之前的扩张带来的收益给很多民营企业一个错觉，就是“胆大的骑龙骑虎，胆小的骑抱鸡母”，所以他们大肆投资，结果是所有传统产业都过剩，投资越多，死的越快。现在依靠胆大，是没有用的，因为市场已经上升到综合竞争层面。
2、企业税负较重，民企融资较难。
财政部于2018年7月13日举行新闻发布会，发布2018年上半年财政收支情况。1~6月，全国一般公共预算收入104331亿元，同比增长10.6%；全国一般公共预算收入中的税收收入91629亿元，同比增长14.4%。
而同期，GDP增速只有6.8%。财政收入增速远远超过经济增长，说明企业负担加重。这与国家不断减税的战略明显不匹配。在税负加重的时候，民企融资难、融资贵依旧持续。
看看2018年世界500强大排名就知道，中国几乎所有有点儿名气的银行，全部上榜，也就是银行成为中国最吸金的行业。银行吸金多，那么企业的利润就要下降。民企融资难、融资贵集中爆发。
3、居民收入增长跟不上经济增长。
最近几年，用工成本大幅提高。但工人工资，或者说人力成本，在生产成本中占比，依旧偏低。有一份数据显示，在2015年，只有2400万人缴纳个人所得税，换一句话来发达，就是工资高于3500元/月底上班族，只有2400万人。这个比例，相对于数亿农民工来说，几乎可以忽略不计。
也就是用工成本虽然提高，但与经济发展水平相比还是处于低位，因为主要经济增长点成果，被税费给带走了。简单地说，国富民穷成为现实。居民收入占比在GDP中约为40%左右；而发达国家这个数据平均在55%以上。
要改变这种状况，就必须“藏富于民”，让老百姓有钱花、能花钱、敢花钱，那么新一轮经济增长，近在咫尺。这也是我们国家改革进入深水区的核心因素。
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