This year, 80 billion yuan of credit in China was overdue for half a year, nearly ten times higher than last year. So how are these debts formed? Let's take a look at Bian Xiao's puzzle!

1, the impact of early consumption

Influenced by the awareness of early consumption in the United States, western countries and other countries, the current early consumption makes people covet pleasure. Once it attracts the addiction of early consumption, it is inevitable.

2. Banks issue credit cards without restriction.

Due to the credit crunch of the China Insurance Regulatory Commission, in recent years, in order to earn more profits, banks have increased the intensity of issuing cards, allowing some unqualified people to pass smoothly.

3. Economic recession

Because of the impact of the network economy, many factories are laying off employees, and the laid-off people are unable to repay their mortgages and various loans, so they are burdened with heavy debts.

4. Various online loans

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