The data shows that only 13% of young people have no debt, and the post-90 s generation accounts for half of consumer loans. Why is the debt ratio of young people so high? I think it's multiple factors:

1, the post-90 generation has just experienced the rapid development of credit cards and online credit.

I graduated from university in 20 14, and those two years coincided with the rise of small loan companies, and banks began to issue a large number of cards. I remember that at that time, the monthly income of credit cards was very high, and online credit such as flower shops and borrowing books began to rise.

2. In recent years, consumerism has prevailed, which has superimposed brainwashing advertisements of merchants under the mobile Internet.

I was poisoned by consumerism myself. I want to treat myself well, eat, drink and be merry. It hurts to buy expensive things, and the more you use them, the more comfortable you are. Buying cheap things makes me feel comfortable, but my back is always uncomfortable. When I bought it at buy buy, the e-commerce platform can abruptly create a shopping festival, and all kinds of festivals should have a sense of ceremony and consumption.