With the development of the Internet age, more and more young people begin to enjoy the life of consuming in advance. Every month is a proper moonlight clan. Whenever the day when the money is still paid every month, they start to piece together and tear down the east wall to make up for the west wall. This vicious circle has become the life of many young people. normal. However, recently, it seems that Huabei's "routine" has been discovered? More and more young people are taking the initiative to close Huabei! The reason has been confirmed: it’s just that the person who pays the bill has changed, and Huabei’s routine is unfathomable; people who have overdue consumption will be required to pay huge fines; as the saying goes, the wool comes out of the sheep.
"I just bought it in advance, anyway, I will buy it when I have money"; "Using Huabei is cheaper than paying directly"; "If you like it, you have to act, if it doesn't work, you can still use Huabei" Waiting for these reasons, I think it is the normal psychology of these people who consume in advance. It is for these reasons that people's consumption concept seems to have undergone earth-shaking changes compared to before.
People are no longer constrained by whether they need these items to buy, but start to rely on a one-time liking, a one-time impulse, or a thirst for luxury goods, etc., and start to consume in advance regardless of the consequences. And a series of pre-consumption platforms, such as Alipay's Huabei, Jingdong's 's Baitiao , etc., these Internet loan platforms, launched various interest-free repayment and other discounts, which caused this early consumption phenomenon. emergence, and an increasingly serious situation.
For traditional bank loans, these pre-consumption loans on online platforms have lower thresholds and are more tempting. As long as you can repay on time, then you do not need to pay additional interest fees.This is very attractive to many young people. Of course, some studies have also shown that in many cases, people do not consume in advance because they have no money, but because they can enjoy more discounts by using these payment methods. At first glance, a method like
is quite cost-effective. However, now more and more young people are taking the initiative to close Huabei. What is the reason for this? The main reasons are as follows.
01. The merchant becomes the payer by changing the payment object.
Many people do not know that when you use Huabei to pay, the merchant needs to pay a certain fee to the platform. That is to say, if you use Huabei, what Huabei earns is not your money, but the merchant's money. Therefore, many businesses saw this and gradually closed Huabei.
02. Once the payment is overdue, consumers will pay huge fines.
When you use these loan platforms, no matter what the reason is, you will have to pay huge fines, and these things are It is directly linked to your credit, and even it will involve your personal credit reporting system and affect your personal credit system.
03, the biggest routine of borrowing platforms - wool is still on sheep , which are used by these lending platforms for financing, and then obtain benefits through instalment repayment, consumer loans, etc.
In fact, in my opinion, the emergence of a series of lending platforms such as Huabei is also a product of the development of the times. We can't overturn a boatload of people with one shot, and look at this type of lending platform in an absolutely negative way.I think that the emergence of these platforms must be because someone needs them, otherwise they will not emerge as the times require. Whether these platforms are good or bad depends on the people who use them.
As long as you consume rationally and have a certain degree of self-discipline, then I believe that these platforms will not cause too much harm to you. Of course, it is not very desirable in my opinion to launch a series of behaviors such as lending platforms that can get more payment discounts through loan payment. This method is more like a tempting sales behavior and is not worth promoting.
In summary, for a series of lending platforms like Huabei, Baitiao, etc., we should maintain a rational attitude and treat them with a fair attitude. Of course, if you are due to excessive consumption due to higher requirements for a refined life, or excessive overdraft consumption due to vanity and other aspects, then I think these lending platforms are not suitable for you.
When Huabei's "routine" was discovered, more and more young people took the initiative to close Huabei. I think it's because many young people are still very self-aware of their self-control ability. Instead of being tempted all the time, it is better to take the initiative to close it once and for all . What is your attitude towards this approach? Whether it is for or against it, I believe that each has its own merits.
