Of course, the debt situation of not only young people but also middle-aged people is not optimistic. According to official data, at present, the number of people who have broken their promises alone is tens of millions, and it is still rising. This is just a broken promise, and the number of people in debt has reached hundreds of millions, which can be described as per capita debt.
Back to the topic, are young people tied up by loans now?
Basically.
This is also caused by a variety of reasons:
First of all, it is the change of consumption concept.
My father's generation thought it a shame to borrow money. No money, not for the rest of my life.
Put your hard-earned savings in the bank, so the savings rate is high and the loan rate is low. Now loan consumption has become very common, and the concept of consumption has also changed a lot. Moonlight family, running multiple credit cards, borrowing money from multiple platforms, and buying mobile phones and computers at any time can be phased in, which has become a very common phenomenon, making ends meet. When robbing Peter to pay Paul can't make up for it, it will naturally break the contract. If the concept of consumption does not change, there will only be more and more people who break their promises.
The most important thing is that young people can't control their consumption desire. However, various low-threshold online loans and lending institutions have also appeared frequently, and various fancy advertisements have caught many people in it.
But in fact, this concept of consumption is basically not easy to correct. In the face of the back mortgage car loan, the front may not be worth mentioning.
Secondly, the economic situation is not optimistic.
At present, the average monthly income of China people is not high, and the gap between the rich and the poor is also very large. Most young people don't want to be tired, and there is not much room for income improvement. With the rising prices, they can't make ends meet. With the accelerated pace of life, debt is becoming more and more common.
In addition to these common consumption problems, there are many reasons for debt, such as entrepreneurship, gambling, fraud and so on.
Entrepreneurship, now more and more young people have the idea of starting a business, and they don't want to spend their lives like this. However, it is difficult to start a business. Without a foundation, good planning and profound social experience, starting a business is bound to be extremely risky. Once it fails, it will inevitably leave a huge debt.
Gambling is not uncommon for people who are heavily in debt at present, and the advertisements for online gambling are also obvious. Once you taste a little sweetness in the casino, you will get out of hand and earn a month's salary in a few minutes. As a person with little social experience, who can resist the temptation? But online gambling is naturally deceiving, and there are traps. If entrepreneurship is
A narrow escape, then for us ordinary people, gambling means ten bets and ten losses.
Fake, in recent years, killing pigs has gradually entered the public eye. Although we have been promoting fraud prevention, many people are still deeply involved.
It's not just young people who are tied down by loans ...