How did the post-90s general debt situation cause a "vicious circle"?

According to a recent survey by HSBC, the debt-to-income ratio of the post-90s generation in China has reached an astonishing 1.850%, and the per capita debt owed by this group to various lending institutions and credit card issuers exceeds 17433 USD (about1.2000 RMB). The post-90s debt is 18.5 times of the monthly income, and the per capita debt is as high as120,000. This data has attracted attention from all walks of life.

In this regard, experts believe that post-90 s living conditions are better than post-70 s and post-80 s. Although the times they lived in were not as rich as they are now, the post-90 s generation were mainly one-child families, even in the rural areas of Nongdale, it would not be too bad. In order to ensure the comfort of their lives, the post-90 s often develop the habit of spending ahead of time. To some extent, this is also a study of the concept of advanced consumption of young people in western countries.

We believe that the post-90s generation is generally in debt, forming a vicious circle for the following reasons: First, due to the widening gap between the rich and the poor, the post-90s generation began to compare their living conditions in schools. For example, if you have an Apple phone, I want to have it. So, what if the family doesn't give so much money? So I borrowed money on campus to buy all kinds of luxury goods. This led to the prevalence of campus loans in previous years. After borrowing the campus loan, the interest rate is surprisingly high, and finally the parents can only come forward to settle the matter.

Second, there are too many places to borrow money, such as traditional credit cards, ant flowers, JD.COM bars, offline campus loans, IOUs and so on. This undoubtedly gave the post-90s a tool to borrow money. In the post-90s generation, why not use tomorrow's money to do today's work? Enjoy a happy life while you are still young. This is the key. As for what to do tomorrow, borrow money slowly and pay it back slowly. There is still a long time.

Third, with the rise of Internet e-commerce, various e-commerce festivals are held many times every year. After 90, young people are keen on online shopping, which is not only cheap, but also delivered to their homes. Therefore, post-90s students often accidentally use up all their new salaries. Finally, the post-90s generation had to spend money through JD.COM white bars and flowers. If you use cash in real life, you may know it well when you spend it, but if you spend money online, you can only make ends meet.

So, how can we change the situation that debts are rolling more and more after the 1990s? First of all, our media and schools should advocate a lifestyle of "living within our means", that is, how much money you can earn and spend. It's ok to buy home appliances occasionally for overdraft consumption, but I'm not used to living like that for a long time. Because it is impossible to borrow new debts to pay off old debts for long.

Besides, when the post-90s young people learn to spend money, they should learn how to make money better. For example, some college students like to spend in advance, but the family doesn't give them so much living expenses. This can be solved by working to make money, rather than living ahead of schedule, and eventually they have to pay off their debts with their families. Of course, for those who have already taken part in the work, they can choose to take more jobs, so that they can earn more and there is no need to borrow money for consumption.

Finally, the post-90 s young people should learn how to manage their finances when they overdraw. First, they should deposit the remaining money in the balance treasure every month, so that every little makes a mickle, and there will be extra money in one year. Then try to invest in some wealth management products with low safety factor. When the post-90 s young people turn their energy to investment and financial management and taste the sweetness of financial management, they will not focus on overdraft consumption.

The post-90 s young people are mired in high debts, mainly because they live in an era of great gap between the rich and the poor. Many people have the heart to keep up with the joneses, while some people's financial resources can't be reached for a while, so they can only solve it through debt. Of course, the emergence of various lending tools has also helped young people overdraw their consumption. However, we can guide everyone to develop the habit of living within our means through schools and the media, and at the same time let young people make more money and make ends meet. By then, the post-90s young people can also distract their energy consumption by studying and investing in wealth management products, and develop good financial management and investment habits.

After 90, they are all 30-year-old adults now, and the debt can only be said to be caused by some previous consumption concepts.

I'm also a post-90s generation. Tell me about my experience! Now the total debt is more than 60 thousand. Credit card 40000, friend 20000.

I just graduated before, and my first job was to come to Shenzhen to do real estate. Work is almost more than 5000 per month. At that time, I also bought my first smartphone and spent more than 2000 yuan. I am an electronic product controller. I also like reading electronic information. After working for two years, I have some savings, which is quite a lot for me. I just bought some high-end computers. Headphones, etc. These things are really burning tens of thousands of dollars, which is simply unbearable.

Remember to buy another 86-year-old CD player, which cost more than 3000 yuan, which was not enough at that time. Another said that you can use your credit card first and pay it back later. I got my first credit card. At first, the quota was 6000, and it took me half a year to rise to 30000 several times.

At this time, the situation is still relatively good, and there is no overdue. Later, I began to spend money lavishly. I have no idea. I want to use it first this month and return it slowly next time. It didn't take long to find out that wages can't be changed to minimum repayment. I started to borrow money and pay it back first. I feel that the pressure of repayment in the later period is getting bigger and bigger. At this time, the idea of re-issuing cards and paying the bills of old cards with new cards came into being.

I started to apply for a second credit card with a direct credit limit of more than 20 thousand. It's easy to return one card after another. After a long time, coupled with uncontrolled spending. I found that I had to get a new credit card.

Later, I saw various online loans on various websites. At this time, the credit is still relatively good, and the amount below is also relatively large. But I have never studied interest and other issues carefully. That's six or seven loan software I've been using. When you can't fall over once, you feel that the sky is falling, and this is the beginning of a nightmare.

Various levels of collection calls came. That's really annoying, bombing contact, calling friends to say that they owe money. In order not to be disturbed by these vicious collections, I began to apply for a large number of online loans. I reapplied for this online loan credit card until there was no platform to give me a quota.

Official overdue debt broke out. At this time, what I face every day is collection. I really can't stand it. I confessed to my family, who gave me more than 30 thousand, but I didn't tell the truth. There are more than 30,000 people, and with the arrival of COVID-19, it is all kinds of sad reminders to be urged to quit. In this way, looking for a job only pays the minimum repayment amount. In order not to let my relatives and friends be disturbed again, I persisted. I'm also trying to pay off my debts as soon as possible!

It is natural to pay off debts, and the rest of the time is to work as hard as possible and strive to pay off debts as soon as possible. Nothing in debt, everything will be fine then! Friends who are in debt like me come on!

According to a recent survey by HSBC, the debt-to-income ratio of the post-90s generation in China has reached an astonishing 1.850%, and the per capita debt owed by this group to various lending institutions and credit card issuers exceeds 17433 USD (about1.2000 RMB).

The post-90s debt is 18.5 times of the monthly income, and the per capita debt is as high as120,000.

This data deserves everyone's attention.

There are two typical labels for the post-90s generation: one is "love spending money" and the other is "poverty". So through data, what is the "truth" behind the post-90 s debt?

Desire is constantly amplified, and I don't know when to step into the abyss.

With the popularity of P2P lending forms, such as flowers and white stripes in JD.COM, borrowing money for advanced consumption has become the choice of more and more young people. Realizing today's dream with tomorrow's money has become a very fashionable consumption concept at present.

In 20 18, the sales of tmall double eleven exceeded 213.5 billion, and Alibaba made history again. However, behind this huge sales volume, how many young people are in debt for consumption. Bai Hua and JD. The long repayment bill during the day has become a nightmare for many young people. From a psychological point of view, consumers will have a strong pleasure in the payment process when borrowing and spending, but their worries about future repayment are very subtle. This is why loan consumption is addictive. Nowadays, young people are rarely in debt, and a lot of friends around them are heavily in debt in just a few years.

The economic situation of Alexandria after 1990s.

70% of young people are in debt by stages.

20% of young people have never saved money.

3 1% of young people borrow from more than four platforms.

The rapid development of e-commerce industry and many post-90s young consumers addicted to online shopping have further promoted the development of P2P lending, and the biggest beneficiary behind it is capital. As this young group, they can only face these "liabilities" helplessly.

Paying the bill owed yesterday is exhausting.

Because of the urgent need for money, a small scalper in Dongguan borrowed 6,000 yuan on a loan platform APP at 2065,438+07+00, but actually only got 2,300 yuan, and agreed to repay 3,000 yuan a week later. After several repayments on schedule, the borrower kept urging to renew the loan and pursued it, but once it broke the contract, it fell into a quagmire: if it failed to repay the loan on schedule, it would pay 30% of the renewal fee on the same day; If the renewal fee is not paid, the overdue fee will be accumulated in 300 yuan every day. After more than a year, Niu actually borrowed less than 6.5438+0 million yuan, but he paid back nearly 6.5438+0 million yuan in total, but the loan on the APP has not been eliminated. Xiaoqu, who has just joined the work for five months and is 28 years old, is still "filling the pit" bit by bit with his salary. When she was a graduate student in Beijing, she spent 35,000 yuan on "ant flowers" every month. Because there is no fixed source of repayment, she only pays the minimum amount every month, and the rest is automatically transferred to the next month to collect interest, so she snowballs repeatedly.

Others have lost their innocence and lives because they spent so much money. Female college students in Xiamen were deeply involved in naked loans, unable to bear the pressure of debt repayment and the harassment of debt collection calls, and committed suicide. Wuhan University students hanged themselves in the hotel. His family found that he had 13 online loan apps on his mobile phone, and * * * owed more than 50,000 yuan. According to statistics, in 20 18, only 30% white-collar workers saved more than 30,000 yuan, and 20% white-collar workers not only failed to save money, but also owed debts.

The rapid development of society has neglected basic education.

After 90 s and 00 s who grew up under the Internet and market economy, like previous generations, they got rid of the general poverty of their families and gained more disposable property and consumer confidence. But at the same time, it is difficult for some people to stop the inertia of consumption, control the scale well, and fail to form a rational consumption concept of making ends meet and living within our means in time.

In this process, the positive guidance of family, school and society is also absent. Some experts said that while the society cheered for the expansion and upgrading of consumption, the education and guidance of teenagers' consumption concept was relatively backward, and it was almost blank at present. Things happen, causing serious consequences, and people will pay attention! In the end, we can only pay a painful price for social neglect.

Change, from spending money thinking to making money thinking

This is an impetuous era. You need to plan your life well. What should I do in the future? First of all, we must change our thinking. When people have the desire to make money, they will have a strong incentive to pay. If you want to make money, you must act. If you want to have a better life, you must get rid of your old self.

The rapid economic development is a far cry from the 1970s and 1980s. As prices rise, house prices double. Young people want to have a complete home and can only borrow money, which is also a major factor in the debt of the post-90 s!

The rapid economic development is a far cry from the 1970s and 1980s. As prices rise, house prices double. Young people want to have a complete home and can only borrow money, which is also a major factor in the debt of the post-90 s!

2. The vast majority of the post-90s generation live in their parents' infancy and have hardly experienced the baptism of wind and rain, but they are ambitious but have little social experience. Many post-90 s entrepreneurs ended in failure, which eventually led to their heavy debts!

3. Great changes have taken place in society and the economic level has improved rapidly. The post-90s generation yearns for a better life, but they are helpless in the lack of funds! So now the ability to resist all kinds of temptations is very poor, such as online gambling, peer-to-peer lending and so on. , which leads to falling into the endless abyss!

4. With or without money, 90-year-olds who haven't suffered much since childhood took a fancy to their faces. After entering the society, in order not to let friends, male and female friends look down, they handled various overdraft consumption such as credit cards and online loans in advance, commonly known as raising loans with loans. At the same time, the temptation of consumption factors on the internet is gradually increasing, which leads them to step into the abyss!

In recent years, the financial industry has released a lot of water, mainly targeting young people. The low threshold and high quota drag many young people with poor judgment and poor resistance into the water!

6. Get married and have children. Now raising a child is comparable to supporting a college student. Coupled with other burdens at home, they advance in advance, and their debts gradually rise, and they have been living beyond their means!

7. Parental connivance, even if you get married, most of your daily life is still in the hands of your parents. Even if you make a mistake, you still have to solve it at all costs, which makes some young people not realize their mistakes and make mistakes again and again until the efforts of several generations are wasted and unable to repay them.

The starting point may be the consumption habits of families. Children in two types of families are particularly prone to debt. One is that children are spoiled in the family, and all parents who want them will try their best to get them. He has never experienced what he wants but can't get. After making money, he keeps the same thinking, buys what he wants, and talks about the extra card account later; The other is the kind that is strictly controlled by parents since childhood, and it is difficult to want anything. Once you have income, you begin to satisfy yourself.

From family to society, it has been strengthened. There are too many consumption scenes now, not to mention the various inducements of merchants, but they can always be seen in the circle of friends. Xiao Zhang bought a new schoolbag yesterday, Xiao Li watched the hottest movie the day before yesterday, Xiao Wang Mai bought new sneakers and XX bought a blind box. You must do something to show your existence, right? What are you doing? The big probability is to spend money.

The perfection of financial instruments provides conditions for advanced consumption. If you have no money, you can only watch it, but you can't buy it. After all, an adult is embarrassed to splash water in front of his parents. If it's borrowed by his peers, it's ok occasionally, and no one is stupid if the number of times is too much, so the consumption amount is still within the control range. But now that you have a credit card, you don't have to ask others to spend money. The minimum monthly repayment and installment payment give many people the illusion that they can enjoy a high-quality life with a little money.

At first, there may be some anxiety. What if I don't get it? After a long time, you get used to it. My consumption can't come down, my wallet can't bulge, and the gap is getting bigger and bigger. I really can't hold it anymore. I can only ask my parents for help. Especially the children of the first family, when their parents are annoyed, they will still help clean up the mess.

It seems no big deal for young people to think about it. Anyway, someone has a bottom and starts a new cycle.