The largest part of investment is infrastructure investment and real estate investment. In the case that real estate investment is restrained, it is difficult to play a big role only by relying on infrastructure investment in the short term. Then consumption has become the key channel to stimulate economic growth in the eyes of many people. What if people's income level is not enough to support such high consumption? Modern finance has given its own solution.
A few observations: First, the introduction of the credit loan system has made leveraged consumption the mainstream. The most typical thing is that today's credit cards, including Alipay's flower buds, actually incite everyone's consumption. Friends who have handled credit cards should know that it is not difficult to handle a credit card with an amount exceeding 10000 when your salary is only 3,000 yuan a month. Then this theory will increase your spending quota.
Second, under various consumption stimuli, once people's consumption desire is opened, it is difficult to change (especially women). Take this year's Double Eleven, the transaction volume of Tmall alone is as high as 268.4 billion; Where is the source of such a large sum of money? I believe many of them are due to spending money, borrowing money, credit cards and so on. , including JD COM, etc. In fact, the meaning of existence is to let everyone leverage consumption. Once the mouth of consumption (shopping) is opened (especially for women), it is difficult to self-discipline, which is people's consumption desire, and the consumption desire of the post-90 s is more urgent.
It is not terrible to support loans with loans. The terrible thing is that more and more people don't have enough repayment ability. First of all, I want to make my point: I encourage reasonable debt, but the premise of debt consumption is to have sufficient repayment ability. Friends who have had housing loans should know that a key factor for banks to consider whether to lend money is whether your mortgage accounts for 50% of your family income; To put it another way, if your consumption only accounts for 50% of your income, there is nothing to worry about. Even if it is a little more, you are afraid that your income will not be high and your consumption will continue to be too high. Then it is only a matter of time before something goes wrong.
A few observations: First, it is a fact that the post-90s generation has a strong sense of consumption and needs to improve their risk awareness. Many post-80s friends around me earn more than 5,000 yuan a month, but their consumption seems to be at least 10,000 yuan a month, which makes me feel very ashamed. I have had such colleagues before, and I need to borrow money to live in the middle of every month. Is this really good? Even several friends I know from the post-90s generation were blacklisted by the bank because their credit cards were seriously overdrawn and overdue (even if they could not be reversed). Consumption is not terrible, what is terrible is that they have no risk awareness.
Including campus loans and online loans in the previous two years, why are they all staged after 90 s and 00 s? In fact, it is the reason for the weak risk awareness. Second, debt is not terrible. Smart people will accumulate wealth with reasonable debts, not just consumption. I have mentioned in many articles that debt itself is not terrible, and smart people will accumulate wealth with reasonable debt. Take the example around me as an example. When a friend bought a car in debt three years ago, a friend bought a house in debt. Today, three years later, everyone knows that their wealth has increased.
To sum up, it is certain that many financial institutions and businesses, including banks, will try their best to "lure" people into spending in order to stimulate consumption, and it is not surprising that products in the form of "0 yuan car purchase" and "down payment installment" appear. But it should be reminded that when you spend impulsively, you need to know the price behind the debt and don't overspend. what do you think? It is not easy. I like to remember to like, comment and continue to contribute more quality content. People nowadays must be careful when spending money in the future! Go back to Sohu to see more responsible editors: