The market economy is sluggish, and lending is not as good as in recent years. The market economy is sluggish, such as fierce competition and serious inflation. Many people who invested in business lost all their property. They just want to turn over and encounter an epidemic. Finally, they can do business with their loans overdue, so they have to become untrustworthy.
Many of these faithless people don't want to break their promises, but because of force majeure, they have become faithless and are willing to repay but unable to repay. Such people should be given another chance and more time to turn over a new leaf.
If you unfortunately become a dishonest person, not only will your travel be restricted, but even your children will not be able to go to private schools, and this dishonest person will not be an executive or director of the company.
There are many small and medium-sized enterprises in the list of untrustworthy people, and their ability to resist economic risks is relatively weak. In addition, business has become more and more difficult in recent years, and more small businesses have closed down.
There are also some people who like to invest in wealth management and want to turn around through high-risk investments such as stocks, futures or real estate, so they borrow money to invest blindly, and as a result, debts that fail to invest are rolling in.
Therefore, the market economy is depressed, which leads to the borrower's failure to repay the loan and eventually breaking his promise. At present, the economic situation is not clear, so it is recommended to be cautious when investing.
At present, there are more and more people who break their promises because of unemployment or falling house prices, and there is a trend of breaking through 20 million people, of which the working class accounts for the majority. Most of these people are burdened with mortgages or card loans, and they are unable to repay their debts due to illness or unemployment.
The working class is still under great pressure. On the one hand, they empty all their savings to support their houses, and on the other hand, they have to support their children. Generally, there is not much money left every month, not to mention how much money they can save, or even make ends meet.
These people dare not lose their jobs, let alone get sick. Once the capital chain breaks, the whole family will fall into a vicious circle. But now that the economy is in recession, many large enterprises have begun to lay off employees. The middle-aged unemployment crisis and mortgage pressure have made this group of people untrustworthy.
Some working-class people take a fancy to real estate investment, take loans from different places to support houses, and repay loans by renting houses. However, the decline in housing prices in some cities has caused many people to abandon their houses and cut off their supply, which has become untrustworthy.
Mortgage usually takes ten or even twenty years, and some families have already paid for two generations. Many areas have been affected by the epidemic and have stopped production. The side effect is that some people are unemployed.
Therefore, most of the untrustworthy people are forced to become untrustworthy because of unemployment or mortgage, and there is no deposit, and finally they can't bear the pressure of loan.
Young people are used to spending in advance. Today's young people are avant-garde, unable to accept the frugal life of the older generation, and have poor self-control. When they have no money, they borrow money to buy things they like, and even some young people rob Peter to pay Paul, resulting in higher and higher interest.
Nowadays, online lending is becoming more and more convenient, and some platforms can successfully borrow as long as their real names are verified. These platforms have accelerated the habit of young people spending in advance. Most young people don't have the habit of saving money, and even becoming a moonlight family every month needs the help of their parents.
Most young people have poor self-control, like to pursue new trends and fashions, and have a serious psychology of comparing with others. Buying things only depends on the price, not the cost performance. With a platform that can be consumed in advance, it is even less important to buy things.
There are also some college students who spend a lot of money, and the money given by their parents can't meet the daily expenses, so they use the online loan platform to consume, and the final result can be imagined.
Therefore, young people are accustomed to the concept of early consumption, which leads to more and more debts and eventually becomes untrustworthy. The concept of consumption in advance is very risky. On the contrary, the thrift concept of the older generation is more resistant to risks.
Some people are able to pay back the money, but they don't. Among the unemployed, some people have the ability to pay back the money themselves, but they have been relying on it. This kind of situation often happens between acquaintances. The more acquaintances try to delay paying back the money, the more they go to court, and the relationship between the two families breaks down.
It is also a moral issue to borrow money and not pay it back. This has always been a traditional virtue of China. Teachers educate students from an early age, and remember to return what you borrow. Why do these people like to linger? In fact, it is very simple, and the cost of borrowing money is low.
It is understandable to say that you are unable to repay because of special changes, but it is impossible to say that you have money but have not paid it back. For these laolai personnel, they don't care about the list of untrustworthy. Dead ducks are not afraid of scalding water, so they naturally become untrustworthy people.
This group of people always feel that they have taken advantage of it, no matter whether others are on-site debt collection or telephone debt collection, they will be dumbfounded after the court enforces it. It is better to pay back the money in time.
To sum up, there are four reasons why there are more and more untrustworthy people in the society, namely, the economic market recession leads to the inability to repay the mortgage, unemployment or falling house prices leads to the inability to repay the mortgage, young people are used to spending in advance, and some people maliciously default on the loan.