According to the "General Situation of Payment System in the First Quarter of 219" published by the Central Bank on July 3, the outstanding credit of credit cards overdue for half a year totaled 79.743 billion yuan. The credit balance of bank cards was 6.98 trillion yuan, a year-on-year increase of 1.79%. Eight years ago, in 21, the total credit overdue for six months was only 7.689 billion yuan. In less than ten years, it has increased tenfold. Let's take a look at another set of data from HSBC: China's post-9s debt-to-income ratio reached an astonishing 185%, and their average debt to various lending institutions and credit card issuers exceeded US$ 17,433 (an average of about 12, RMB). These figures are shocking, and the younger generation is "heavily in debt".
"New consumption concept: getting there first" is harmful.
At present, young people's consumption concept has undergone new changes, and more and more "new poor people" are emerging. For those who have accepted the consumption culture, a happy life is to seize the opportunity of consumption and not lag behind others. It is better to walk in front of others, otherwise it is a defective consumer. However, consumption cannot be satisfied at all. The logic of capital needs to encourage people to continue to consume and maintain vigorous consumption, thus constantly stimulating consumption desires.
according to zygmunt bauman's definition, in the consumer society, the new poor are "defective, deficient, imperfect and congenitally deficient-in other words, inadequately prepared-consumers". According to this definition, no matter how much money you have, as long as your consumption desire exceeds your ability to make money, you are the "new poor". In addition, credit card, Bai Hua, Baitiao and micro-credit provide convenience for this new consumption concept.
How many young people look forward to a good meal every month on the day of pay-off? However, once pay-off, the flowers are returned, then the credit card is returned, and then the white note. After this round, the salary is almost the same. Then, continue to live a life of borrowing, continue day after day, and fall into a cycle of death. I remember a question and answer saying, do you know why credit cards and flower buds set the repayment date on the 9 th? Because ordinary units pay wages on the 1th of each month, and the repayment date is set on the 9th, you have no money to repay, so you can only choose the lowest repayment or loan, and then fall into an infinite repayment cycle. I don't know whether enterprises think so in practice. However, the reality is bloody.