According to survey data, in 2022, our country will have about 703 million people in debt, with a total national debt of 241 trillion yuan, and the per capita debt amount is as high as 140,300 yuan. The overdue rate is as high as 42%, and nearly 320 million people have overdue problems, of which the number of online loans has reached 70.14 million, and 6.77 million people have been listed as dishonest debtors.
Among this huge debt group, the post-80s and post-90s have become the main force of loans, accounting for 81.4%.
Now the debt problem has become a major problem in our country, especially the debt ratio of young people is even more serious.
Young people advocate timely fun and blindly compare, which leads to excessive consumption, advanced consumption, and overdraft consumption.
Why do young people have such a high debt ratio?
In fact, this is falling into the consumption trap set by capital. What is a consumption trap?
is to create a consumption environment for you that is beyond your ability, but it also makes you jump in happily because capital will implant an idea for you to tell you that life should be like this, and then make you willingly pay.
They regard these as the purpose of life and the value of life, and they desire material enjoyment and entertainment. Consumption concepts such as early enjoyment, first experience and then payment, and loan consumption have been formed.
With the rapid development of social economy and network information, we are often unknowingly eroded by consumerist culture.
Give some examples, such as:
"Life is not just about the misery in front of you, but also poetry and distant places!"
The above sentence, many young people mistakenly understand it as: You should not stay in the same place, live a plain life, do the same work, be a hopeless worker, jump out of this circle, go out to travel, and broaden your horizons.
They quit their jobs, went out to travel and cleanse their souls, and after they came back, they were ready to do something big. Only then did they realize that "life is not just about the immediate misfortune, but also the creditors in front of them and the creditors behind them."
"Diamonds are forever and one is circulated"
I believe everyone has heard of this advertising slogan. After the marketing and packaging of capital, they directly raised the sky-high price, and diamonds gradually portrayed diamonds in everyone's hearts = the symbol of love.
Many girls are planted by the Internet and use diamonds as a token of love. As long as you don’t buy diamonds, you won’t love me. If you don’t buy diamonds, you will not have any comments in your heart.
In fact, the essence of diamonds is just a bunch of carbon atoms . Nowadays, artificially manufactured diamonds can even achieve the same quality as natural diamonds, and the price is very cheap, and even industry experts find it difficult to identify the authenticity. The price of
diamonds has gradually dropped in recent years, making it difficult to monetize.
Of course, "mortgage loans" also account for a relatively high liability in my country. Many people born in the 1980s and 1990s have been carrying a mortgage loan for 20 or 30 years to buy a house, and have become the "house slaves" they call them.
With the impact of the epidemic in recent years, there are also The global economy has stagnated, a large number of companies lay off employees, more and more people have unbalanced incomes, and the gap between the rich and the poor has made many people choose the path of loan emergency.
Many people have lost their stable source of income and use loans to support loans. If there is no way, they can only choose to overdue. What impact will the overdue loan of
have?
. Overdue loans will incur high fees.
will generate overdue interest and liquidated damages after your loan is overdue, and the interest will be compounded on a monthly basis. That is to say, if you do not pay the interest in that month, it will be included in the principal of the next month. The longer the default, the higher the fees you will have to pay.
. It affects personal life.
After the online loan is overdue, it will receive various collections from the online loan platform. If the overdue time is relatively long, the online loan platform may call your family or come to collect the collection in advance. If you become a dishonest person who is executed and cannot take planes, high-speed rail, etc., it will be difficult to move forward.
Young people should cultivate a correct view of consumption, not blindly compare and overdraw consumption. allows every consumption in life to maximize happiness.
If a person has too many desires and distractions, does not know how to be content, and does not cherish the existing life, even if he has everything, he will not be happy and satisfied.
Love life, face reality positively, and feel the beauty brought by life.
No matter what you are experiencing, whether you are happy or not, the world will not stop its pace because of your fatigue. Life is like a movie, and everyone's experience cannot be copied. Cherish every frame of this movie.
