The brainwashing of consumerism and the temptation of vanity have lured young people into the whirlpool of high-end consumption one after another. "luxury" and "the best age is better for yourself" ... these words are dotted with online loans and become the poisonous apples of Snow White's stepmother. Although harmful, it is still fragrant and attractive.
What kind of consumption trajectory does it have after "ahead of consumption" in 2000? How should the new generation surrounded by consumption desire break through?
For a long time, debt is a middle-aged thing in the eyes of most people: business failure, natural and man-made disasters, family diseases, pornography and gambling ... But with the rise of high-end consumption and the vigorous development of online lending platforms, more and more young people are caught in the debt vortex.
There are loans to buy luxury cars for migrant workers with a monthly salary of 4 thousand; Some female college students owe10 million yuan to buy luxury goods, because they committed suicide several times without giving money; Some female college students just lend money to idols to make lists. Because I couldn't afford it, I skipped class, took a part-time job and dropped out of school.
Alin, a 20-year-old barber in Zhengzhou, is a debtor. His monthly salary is less than 4000 yuan. But in the past six months, he spent his salary and previous savings on vanity, and the online loan owed more than 400,000.
Where did the money go? Alin said that when he was dating his girlfriend, it was common for him to go to high-end places, eat thousands of steaks and send gold necklaces. "I am already very rich in my girlfriend's heart, and I always have to spend money. I'm crazy about ghosts, too. I feel that by borrowing my own money, I can postpone paying back the money until one day. " Alin said.
On June 7th last year 10, driven by vanity, Alin took out a loan to pay the down payment of a Porsche (with a total price of 670,000 yuan). Finally, due to the inability to repay the loan, 1 1 was sued by the bank in February this year, and the luxury car was forcibly taken away, and his girlfriend broke up with him.
Now, unemployed Alin works alone in a barber shop in Guangzhou. I never used the luxury I bought before, and vowed never to touch the loan again. He said that with his parents' savings, he planned to pay off his debts within five years.
Like Alin, there is a female college student Xiaoyu who spends money in front of vanity. Just as Alin spent money on his girlfriend to enjoy her admiration, Xiaoyu spent his money on his "love beans". He enjoys the pleasure of sending his idol out and the satisfaction of other fans for his status as a "rich woman and a big powder".
On 20021February 17, after the first performance stage of the talent show, Xiaoyu's favorite player came behind, and her credit card invested more than 98,000 yuan for the player. Because of this, Xiaoyu has also been sought after by other fans. She thinks that the amount of money spent represents her position, so she has been investing.
During the program, Xiaoyu borrowed 380,000 yuan from the online loan platform and voted for his favorite player.
Among them, Xiaoyu borrowed 58,000 yuan from a loan platform and became the "first" (investment first).
Xiaoyu spends almost all her time and energy on idolization and borrowing money. She works part-time crazily, without pay. She works late in the restaurant, often misses classes and doesn't communicate with anyone. "I just want my idol to debut. As for the borrowed money, I think it's nothing. "
In March this year, the counselor discovered Xiaoyu's abnormality and informed her parents. Later, due to psychological reasons, Xiaoyu chose to drop out of school and stay at home temporarily. Fortunately, her family helped her pay off her debts.
Unlike Alin and Xiaoyu, who chose loans to satisfy vanity and create a "rich man", Xiao Liu, a 20-year-old student of Zhengzhou University of Technology, chose to spend in advance, largely because of revenge after being educated and thrifty in adolescence.
On June 20 19, she was persuaded by a beauty agency to borrow the first online loan in her life, because if the acne treatment course of 3,000 yuan is divided into two phases, she only needs to pay back to 400 yuan each time.
At that time, Xiao Liu's living expenses were 1200 yuan per month, which she thought could be saved. I don't think so. This is just the beginning of her stepping into the abyss of online lending.
Xiao Liu, who grew up in a single-parent family, was taught to be frugal by his mother from an early age. After getting rid of the shackles of her parents and being free to control her living expenses, she began to spend money for revenge and frantically consumed luxury accessories such as brand-name lipsticks, shoes and bags.
Six months after the first loan, Xiao Liu was in debt of 50 thousand, and the nightmare began. Desperate Xiao Liu chose to support her own loan, and the high interest rate made her owe more and more.
Even so, Liu can't help spending more money. During the loan repayment period, she even borrowed 270,000 yuan to buy Cartier full-diamond bracelets, stayed at Atlantis Hotel and traveled to Sanya.
Crazy debt collection, Xiao Liu, who lives in the shadow of debt every day, attempted suicide several times and lost the courage to live. Finally, she chose to confess to her family. However, in recent years, she has borrowed from multiple lending platforms for many times, and with high interest rates, she has already borne the loan burden of 165438+ 10,000.
Xiao Liu's family is unable to repay all the debts. After consulting a lawyer, her parents learned that Xiao Liu's debt of 387,000 yuan exceeded the loan limit of usury protected by law, and the principal should be returned or deducted.
Because Xiao Liu has been harassed by the debt collection company for a long time and suffers from serious mental illness, her family negotiated privately with the loan company and repaid the principal and part of the interest, but even after deducting this part of the money, her family still needs to continue to pay the debt.
Consumption in advance is a temporary turnover, just use future money to buy what you need now. Everyone is embarrassed sometimes, and sometimes it is good to live a decent life like this.
But this can only be achieved under the influence of stable income and expenditure in the future, sufficient risk awareness and sufficient constraints on oneself. Unreasonable excessive consumption in advance is tantamount to "gambling, gambling"
Because early consumption will not only greatly increase the unnecessary expenditure and waste caused by the psychology of comparing with others, but also bring higher debt risk, which will affect the mental state and future work life of young people.
Therefore, to curb the excessive consumption behavior of young people after 1990 s and 1900 s, it is necessary for family sociology schools to work together: from the aspects of family and school, cultivate children's scientific concept of financial management from an early age; In society, it is necessary to standardize online lending and create a healthy and friendly consumption environment for the post-00 generation.
Except for young people's own factors, most online platforms are aimed at young people, claiming that there is no threshold and there is suspicion of inducing consumption. Fortunately, the country has corrected the situation that online platforms induce consumption.
In June last year, 5438+065438+ 10, Liu Fushou, the chief lawyer of the China Banking Regulatory Commission, revealed at the regular briefing of the State Council policy that the number of P2P online lending institutions actually operating in China had dropped from about 5,000 in the peak period to three.
The relevant person in charge of the China Banking Regulatory Commission said that the next step will be to actively investigate and rectify illegal business practices with relevant departments, resolutely curb the phenomenon of accurately "harvesting" college students on the Internet platform, and earnestly safeguard the legitimate rights and interests of students.