The population aged 0- 14 is 253.88 million, and the population aged 60 and above is 264.02 million, so the population aged 15-60 is 894.38 million.
In real life, people under 18 can't get credit cards and online loans, so they can't get into debt. Some people above 18 have no credit card or online loan. I think there is absolutely no personal debt of 700 million people in the country.
According to statistics, there are 790 million credit cards, debit cards and credit cards in China, with less than 800 million debtors per capita. Many people don't have credit cards, and some people have 5-8 cards. The total credit granted by bank cards is 20.23 trillion yuan, the credit balance payable by bank cards in China is 8. 18 trillion yuan, and the credit balance of credit cards for half a year is 8180.4 billion yuan.
According to the latest data of China Executive Information Open Network, on June 25th, 2023, a total of 7 162824 people were listed in the list of people who were executed for breach of trust. The latest data today is 7264802.
In two months, the number of people has increased by 10 1978. Due to the epidemic in the past two years, the income of many people will drop. If they join the overdue army, will 400 million people be overdue?
Related Questions and Answers: Related Questions and Answers: 300 million online users are overdue. what do you think? There is obviously a logical loophole in this news. In fact, a careful analysis will reveal problems. Let's see what the news says first.
Recently, there was a rumor circulating on the Internet that the total population of China was 654.38+04 billion, of which 700 million was in debt and 300 million was overdue. According to the ratio of overdue people to indebted people, the overdue rate is 300 million/700 million =42%. So some people come to the conclusion that nearly half of the people in China are overdue, and a little exaggeration is that half of the people in China don't pay. How can such a statement attract people's attention? As long as netizens see such a title, they will definitely click in and find out, and the traffic will come.
But is it true? Let's analyze it carefully.
First, I don't know where the data of 700 million people in debt and 300 million people overdue come from. Only the central bank will have relevant debt data, but i query has read the various reports of the central bank and never seen the data on the number of debtors. 300 million overdue data is even more confusing. Even the central bank can only count the overdue amount of bank loans and credit cards.
Online loans are actually overdue, but most of them are not connected to the central bank's credit information system at all, and the data of their own platforms will not be released to the public. Therefore, no institution can measure the number of overdue online loans nationwide. I don't know how capable friends who post online are to collect data that the central bank can't count.
Second, even if there really are people or organizations with great powers and discerning eyes, the statistics of overdue data are exaggerated. Specifically, the data will be exaggerated in the following aspects.
1. Both overdue and overdue are counted.
Personally, my mortgage is overdue for several months, because the provident fund is adjusted every year. On several occasions, after the adjustment of the unit, the amount of provident fund paid in each month changed or the monthly provident fund was not paid in time, resulting in insufficient remaining repayment amount in my bank card, which led to overdue. However, after receiving the SMS notification, the repayment amount was immediately returned.
So should I be considered as a person who has not paid it in time? Theoretically, I was overdue, but I made it up right away. If you want to count me as an overdue person, I have to worry with you. My past overdue situation is obviously different from most overdue situations.
2. One person is overdue for many times.
Some professional "Lao Lai" has run several credit cards and owed loans to several companies, all of which are overdue. The situation that a person is overdue for many times is counted as several people in the statistics. Why do I say that? Because I know that in a very short period of time, when China implemented the information disclosure network to count the list of untrustworthy people, a person who was included in the list of untrustworthy people several times was counted as many times, which obviously exaggerated the number of untrustworthy people. Fortunately, it was corrected later.
Therefore, official institutions may have problems with the statistical caliber of data, and the data that attracts attention on the Internet is naturally more likely.
There is an essential difference between overdue and laziness.
To tell the truth, overdue credit cards are very common, because many idiots really forget to repay in time. I'm just one of the few people. It's not that they can't pay back the money, or that they don't want to pay back, or that they sometimes forget to pay back.
This type of overdue is not a big problem even if there are many, which is essentially different from the old lai who is unable to pay back the money or evade repayment.
Many people think that it is a big problem that there are more people in debt now, which only shows that thinking can't keep up with the development of the times. Modern society is a credit society. What is the significance of the existence of banks? Is to absorb depositors' funds and lend them to those in need. In other words, if no one borrows money, the bank will not make any money. The money you deposit in the bank will not only have no interest, but also pay the bank deposit fee. So, did this happen to you?
Debt is not terrible, but the terrible thing is that debt ability is lower than earning ability and consumption desire.
I earn 20,000 yuan a month. I spent 654.38+0,000 yuan on loan repayment and credit card repayment, leaving 654.38+0,000 yuan, and my financial situation is very healthy.
You earn 5000 yuan a month, and you spend 4000 yuan on loan repayment and credit card repayment, leaving only 1000 yuan, or even 6000 yuan. You have to borrow money from an online lending institution to make up the shortfall of 1 000 yuan. That's because you overestimate your ability and indulge your consumption, which is a problem.
For another example, some college students in poverty-stricken areas applied for student loans when they were studying and paid them back slowly after work. This is also a debt, but don't you think this kind of debt is a good thing?
Therefore, the key is the degree. Debt within one's ability can make the use of funds more efficient, which is not only harmless to life but also brings good results.
I hope the above reply is useful to you. Welcome to pay attention to and praise Wang Wu. Your support is the best encouragement for originality!