In China, there are three types of people who are the main debtors. The first type is that before 20 15 years ago, the leverage ratio of personal mortgage in China was not high, but after the house price rose sharply, it became the main force to repay the mortgage after 1980. The data shows that in 20 18, the scale of China residents' loans reached 47.9 trillion, of which 29 trillion were medium and long-term consumer loans, accounting for 6 1%, and mortgage loans were the main medium and long-term loans. If the per capita loan is 6.5438+million, there are nearly 300 million people with mortgages.
The second category, people born after 1990, dare to be in debt. According to Alibaba's statistics, among the 654.38+700 million post-90s generation, more than 45 million people have opened flower beds, accounting for about 1:4. In addition, it also shows that most post-90s generation are heavily in debt. According to the survey of HSBC, the post-90s debt is 18.5 times of the monthly income, and the post-90s debt per capita has exceeded 654.38+10,000 yuan.
In addition, the Rong 360 survey shows that more than half of the post-90 s loan population is used for living consumption, and 47.2% of them have been overdue, and the number of overdue times exceeds 10, accounting for 4%. Obviously, the consumption concept of the post-90s generation is advanced, and the pursuit of quality of life is much higher than that of their predecessors. Many people are not afraid of debt at all. Moreover, their consumption concept is advanced, and their pursuit of quality of life has surpassed their previous generation. The post-90s generation is far from what their parents thought. They should try their best to repay their debts, but by borrowing new debts to pay off old debts, the debt scale will increase.
Third, at present, in addition to banks, small loan companies, online loan companies, private lending companies and mortgage loan companies have sprung up like mushrooms after rain, which has solved the problem that people are in urgent need of money, but the loan interest rate is not cheap, and the average monthly interest rate is between 1%-3%. With the rise of the private capital lending market, participants from all over the country are also actively participating, with no less than 200 million to 300 million people.
In fact, in China, except for the elderly or children, more than half of the remaining domestic population is in debt, that is, 600-700 million, accounting for half of the total population. What is even more frightening is that there are fewer and fewer savers in China. In 20 17, the savings rate in China was 47%, which was 4.8 percentage points lower than that in 2008 (5 1.8%). Among them, the household savings rate decreased by 1. 1 percentage point. It shows that China people are now more inclined to increase leverage debt than to save money.
China has a population of nearly1400 million. How many people are in debt? Judging from housing loans, post-90s overdraft consumption and private loans, it is estimated that there are 600-700 million people in debt in China, accounting for about half of the total population. And according to the current trend, there are more and more people in debt in China. In this regard, we believe that China should reduce the leverage of the whole people and reduce the risk of high leverage. Moderate debt is conducive to promoting economic development and consumption, while excessive debt is likely to be insolvent and unable to repay.