That's not true. Most young people have no money and choose to live on loans. However, the loan can be paid in installments, which reduces the original amount. There is almost no pressure and they can achieve their goals ahead of schedule. That's why they think hundreds of thousands are small money.

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 and even excessive consumption. At present, I don't know whether this phenomenon is good or bad, but in general, the savings rate will be further adjusted.

02. Young people have different consumption views. First of all, this generation of young people like to borrow money, 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 improvement. If they can't get a loan, how can they have a home? We must know that the current housing prices are not ridiculously cheap, 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 my cousin owned a commercial house and gave her daughter a stable day. In order to marry his wife, he paid a down payment of 270,000 yuan and a loan of 654.38+10,000 yuan, successfully bought a suite, and happily married his wife, and accepted 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 legal 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 for mortgage loans and car loans, it should not be regarded as excessive consumption. As for desperate consumption, it is not in line with one's own economic income, or rational consumption. Don't think that the loan money doesn't need to be repaid.