This year, China has 8 billion yuan of credit overdue for half a year, which is nearly ten times higher than last year. So how are these debts formed? Let's take a look with Xiaobian Yizhi!

1. The influence of early consumption

Influenced by the consciousness of early consumption in the United States, western countries and other countries, early consumption now makes people greedy for pleasure, and once it attracts the addiction of early consumption, it is inevitable.

2. Unlimited issuance of credit cards by banks

Due to the credit crunch of the China Insurance Regulatory Commission, in recent years, in order to earn more profits, banks have increased their card issuance efforts, so that some unqualified people can pass smoothly.

3. Economic depression

Because of the impact of the network economy, many factories are laying off employees, and the laid-off people can't repay their mortgages and various loans, so they are burdened with heavy debts.

4. All kinds of online loans

Now, there are all kinds of loans on the Internet. Most people borrow money from the websites of these loans because they haven't repaid the debts of the banks, and finally build them up.