0 1, Zhou Xiaochuan said: Young people rely on borrowing for excessive consumption! China Financial Forty Forum was held in Shanghai, and Zhou Chuan, former president of the People's Bank of China, attended the meeting. At the meeting, Zhou Xiaochuan made it clear that some young people like loan consumption, even excessive consumption. At present, it is not known whether this phenomenon is good or bad, but in general, the savings rate will be further adjusted.
02. Young people have different views on consumption. First of all, this generation of young people like loans, such as buying brand-name bags and living in luxury. After all, it is only a minority. Most young people's loans are only spent on mortgages, car loans, or home decoration. If they can't get a loan, how can they have a home? We must know that the current housing prices are not cheap and appropriate, and they are tens of thousands.
Take my cousin in Huizhou as an example. My cousin's mother made it clear that she would agree to get married as long as she owned a commercial house and gave her daughter a stable day. In order to marry, he paid a down payment of 270,000 yuan and a loan of 654.38 million yuan, successfully bought a suite and happily married his wife. In my cousin's words, although we have overspent now, there is still hope for life. ?
Besides, not all the younger generation are without proper limit, and their consumption views are mostly within the normal range. Most people have legitimate jobs, have a fixed income every month, and there is almost no problem with normal repayment behavior. Otherwise, how can they dare to borrow money?
What I want to say about this matter is. Personally, I think loans should be viewed from two aspects. If it is used in mortgage and car loan, it should not be considered excessive consumption. As for desperate consumption, it is not in line with your own economic income, or rational consumption. Don't think that the loan money doesn't need to be repaid.