今日のテーマは、『今後の日本に迫り来る大増税時代』です。
昨日、一昨日と、2日連続で公式ブログの更新が滞ってしまいました。
個人的には、
『公式ブログでの情報発信』という仕事の優先順位は高くしており、
理想を言えば、1年365日、きちんと365記事書きたいと考えています。
経営者として、
『ビジネス』的な観点で言うと、『公式ブログでの情報発信』は、
直近での『利益』には繋がらない為、優先順位を下げても良さそうに見えます。
ただ、
こちらは、自身のパーソナルな部分の『拘り』なのですが、
『文章を書く能力』を、これからも維持・向上させていきたいという想いがあります。
また、
『公式ブログでの情報発信』は、『短期的な利益』には繋がらないものの、
読者の皆さんとの『信頼関係』という、『長期的な利益』には、むしろ直結する。
そう考えているので、これからも、
なるべく優先順位を『最上位』に保ったまま、情報発信し続けていきたいと思います。
それで、
基本的に、私が『公式ブログ』の更新が滞る際の理由としては、
記事を書く『1時間』という時間確保ができない程、当日が多忙な場合に限ります。
よく、
一定期間、読者を続けてくれた方が、面談受講して下さるケースがありますが、
その際、『5年間も書き続けるなんて、ネタが尽きないのが凄いです!』と言って頂けます。
が、
個人的には、日々変化する社会情勢をウォッチしていたら『ネタ』は尽きず、
むしろ、情報発信の為の『時間』を確保している所を、評価して頂きたい(笑)
以前もお伝えしましたが、
基本的に、土日祝日は『新規クライアントさん』の面談希望が集中しますが、
本当に有り難いことに、この3連休も、多忙の絶頂を極めている状況でした。
ここまで、
2日間更新できなかった『言い訳』を長々としてきた訳ですが(笑)、
果てしなく出来てしまいそうなので、今日の本題に入ろうと思います。
早いもので、
2019年『9月』も、残りが後一週間ほどとなり、
『10月』からはいよいよ、『消費増税10%』が導入される時期となります。
これまで、
『消費税導入元年』を含めると、私たち日本国民は、
過去に3度(3%、5%、8%)の『増税』時期を経験してきました。
が、
今回の『10%増税』のタイミングほど、『駈込み』が無い事も珍しく、
この辺りの『静寂』についても、日本経済の『息切れ感』を感じています。
ご存知の通り、
2度の『延期』を経て、ようやく今回導入される『10%増税』ですが、
『リーマン級の経済危機』という心理的『景気条項』が残されたままで、
どこか、『現実味』がわかないまま、ここまで進んで来てしまいました。
また、
『軽減税率』の導入という応急処置が、制度の正確な理解を阻み、
恐らく、その全容を正しく理解している人間は、どこにも居ないと感じています。
一説によると、
キャッシュレス決済による『ポイント還元制度』を考慮すると、
買い物する店舗の違いにより、私たちの『実質税負担率』には、
5パターン(10%、8%、6%、5%、3%)存在すると言われています。
恐ろしいのは、
その状況を、正確に理解している『国民』割合の圧倒的な少なさで、
当然、サービス提供サイドの小売店スタッフの方々も、例外では無いという事。
導入まで『一週間』と迫ったこの時期において、
この状況を、まさに『致命的』だと感じているのは、私だけなのでしょうか??
それでも、
恐らくは、『誰も正確に理解・把握できていない』事が功を奏し、
導入後、その時々の『課題』を乗り越えながら、徐々にアジャストしていくのでしょう。
今回の増税により、
日本国の税収は、『年間60兆円』を安定的に超えてくる事が予想され、
『財政健全化』推進に向けても、このイベントが、一役買うことになりそうです。
、
、
、
、
いや、嘘を言いました。
今回の『消費増税』は、日本の『財政健全化』に対して、
悲しい哉、ほとんどもたらす『効果』は存在していません。
何故なら、
以前もお伝えした通り、今回の『増税』により増加した税収を財源として、
既に、新たに導入する予定の『社会保障・公共サービス』がある事が、1つの理由。
また、
日本国家の単年度会計を表す『一般会計』は、
現在、概算要求ベースで、毎年『年間100兆円』を超えているのが実情です。
それに対して、
『歳入(国家としての収入)』の大部分を占める『税収』が約60兆円ですから、
その数字では、『マイナス超過』である状況は、今までとまったく変わりません。
確かに、
今回の『消費増税10%』は、私たち『日本国民』に対して、
心理的にも、実質的にも、『経済負担』を強いる事になると考えます。
しかし、
その上でアップした『数兆円レベル』の税収の増加では、
日本国に『プライマリー・バランス』は、一向に健全化される兆しは無いのです。
もしも、
上記問題に対する『根本解決』を、本気で政府が目指すのであれば、
長期的な視点で、『社会保障改革』に着手する以外に、方法は存在しないと考えます。
具体的には、
『健康保険制度』については、高齢者・現役世代とも窓口負担割合を増加させて、
更に、『健康保険制度』での適用範囲も、現時点から狭めていく必要があります。
また、
『年金制度』については、もう一段、厳しい改革が必要だと考えていて、
支給開始年齢の遅れや、支給金額の減額、最終的には『該当者』を選定しなければいけない時代も来る。
しかし、
これら『社会保障改革』をしてしまうと、時の政府は選挙で負けてしまいますから、
海外某国同様、それを回避し続けながら『ゾンビ国家』のように生き続ける可能性もあります。
より現実的なのは、
上記『社会保障改革』を回避する形で、国民全体か、
または、主に『現役世代』に対して『税負担』を強化していく仕組みです。
2024年、
5年も先行する形で、えらく早い時期にアナウンスされた『紙幣刷新』ですが、
その際『資産課税』するには、シンプルに2つのアナウンスを追加すれば良い。
具体的には、
1つは、『今回の刷新以降、旧紙幣は使えませんよ』というアナウンス。
そして、
2つ目は、『旧紙幣の1万円は、新紙幣では8000円(*)とさせて頂きます』というもの。(*資産課税を20%徴収する場合。)
あまり実感が沸かないかも知れませんが、こちらも、国家による立派な『増税』です。
今回、
約一週間後からスタートする『消費増税10%』ですが、
日本国の『財政状況』を考えた時、今後訪れる『大増税時代』を、私たちは免れる事が出来ません。
その事もしっかりと理解・意識しながら、
『資産形成』と並行して、『資産保全』も進めていく必要があると考えます。
『金融リテラシーを高めて、具体的に資産形成をしたい!』という方に最適なセミナーを、
今月は神戸・三ノ宮9月27日(木)、大阪・梅田9月28日(金)の日程で開催します。
——————————————————————–
■2019年9月26日(木)開催!将来のお金の不安が2時間で消えるセミナーin神戸・三ノ宮■
****セミナーご案内ページはこちらをクリックください****
■2019年9月27日(金)開催!将来のお金の不安が2時間で消えるセミナーin大阪・梅田■
****セミナーご案内ページはこちらをクリックください****
——————————————————————–
『具体的なアクション』を起こすことでのみ、
人生は、本当に好転していくものだと思います。
ぜひ勇気を持って、新たな一歩を踏み出してみてください。
皆さんに、直接お会い出来るのを楽しみにしております。
セミナーを受講する間でもなく、
『今すぐ、具体的に資産形成をスタートしたい!』という方は、
ぜひ勇気を持って『お金のセッション』を受講してみてください。
——————————————————————–
****プライベートセッションご案内はこちらをクリック****
****『お金のセッション』ご予約はこちらをクリック****
——————————————————————–
井上耕太事務所
代表 井上耕太
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