Is the change of consumption concept,

Is real social progress ",

I thought the same thing.

"Consumption in advance" has many advantages.

At present, limited by the difference in income level,

In cities, only a small part of income is relatively stable.

Moreover, young people with high income and living needs.

It should not be regarded as a "scourge",

It seems that it will bring some crisis to the national economy,

I don't think it's necessary to worry too much.

Now is not the time to contain, but the time to publicize and encourage.

The advantages of "ahead of consumption" are:

First, activate the bank funds.

It lends money to customers at a fairly high interest rate.

Determine the amount and duration of the loan according to the age and income of the customer;

Moreover, customers put loans and other consumer items,

Houses and cars purchased (these may be the most important)

Mortgaged to the bank, when the customer loses the ability to repay,

The bank can take back the collateral, so it seems that the bank has no risk.

As for the loan for eating and drinking, the loan for buying lipstick is "ahead of consumption".

Maybe I'm a little ignorant and have never heard of it.

2. Activate the market and expand domestic demand,

In particular, it has activated the real estate market and the automobile consumption market.

Why not?

Third, it has solved the practical difficulties of housing for many people.

For example, in many cities, many older young people suffer from lack of housing.

Families crowded with generations have no place to get married;

Many young people have marriage certificates in their hands or live with lovers.

People who are picky about "ahead of consumption", I can say for sure,

They don't feel this way. Now there is "ahead of consumption"

People who have the ability and conditions no longer have this kind of distress.

What developed capitalist countries can do well,

Why not do it well? !

Don't look at the "new things" such as "ahead of consumption", fearing wolves and tigers;

The problem is to have corresponding legislation and strict management.

For example, when a bank approves a loan project,

It depends on whether the lender's credit and income certificates are true.

Whether the project used for the loan meets the requirements,

Does the lender have any other loans in this bank and other banks?

Is it beyond his repayment ability and so on. I want to activate the bank funds,

To prevent non-performing loans, it is fundamental to have laws to follow and strict examination and approval.

Strict management.

Put an end to reckless human loans and relationship loans, and the problem often lies here.

"Advanced consumption" is still in the cradle stage in China.

Now is not the time to kill it and criticize it.

It's time to publicize it and encourage its development.

There should also be some appropriate preferential policies.

For example, Shanghai once stipulated that consumers who buy houses,

Declare the purchase expenses to the tax authorities,

Upon examination,

Preferential measures to refund the collected personal income tax within a certain period of time.

Some people in our family are abroad and others are at home.

They all used bank loans and enjoyed the benefits of "ahead of consumption".

I don't think the country has lost anything.

It has not caused any crisis to your family life.

Now it has a negative impact on the national economy,

It may not be the adverse effects that may be caused by the new upsurge of "ahead of consumption".

But a large number of other bad loans from financial institutions!

That's very alarming.

If my answer can help you,

Please consider it as the best answer as appropriate.

Thank you and good luck:-)