Everyone knows the reason. Only a few people are unwilling to admit it. They think it's all caused by excessive consumption, and they all have money and don't pay it back, rather than really having no money. So they would rather spend money to collect, but also to crack down on debt evasion. What's the final result, hehe, wait and see.

Take me for example, it should be universal. Two children may have one more child than others. I didn't want to have two children at first, but I gave birth to two at a time, and then I paid off my mortgage and a lot of credit. I come from Wuhan. During the epidemic, I closed the city for nearly four months, and I didn't send a penny during the private enterprise. I can't afford to pay back a penny because the bank cares so much about you. I don't want to lend you anything. I said the credit is tight now, banks. It's more than half a year overdue now. Why? Because it's not over yet, it costs more than 20 thousand for children to go to kindergarten for a semester. It's impossible not to go to school, right? Who else will accept it? You said I overspent? People say I dress like an old man every day, and I don't know where I spend more than me. During the epidemic in Europe and America, the economy was as loose as possible. When housing prices rose and the epidemic interrupted the economy, major banks did choose to tighten credit. I don't know which economic expert put forward the risk control suggestion. This is not controlling risk, it is creating risk. Should credit be tightened at least after the epidemic is over?

The accumulated debts in the past increased, and the economy was depressed in 2020.

In the past ten years, although the economy has developed at a high speed and people's income has been greatly improved, high housing prices and advanced consumption have led to the accumulation of people's debts. In the past, the sharp rise in house prices caused most families to buy houses in full, so they had to borrow money to buy houses, which doomed the accumulation of debts. Although the house is occupied and the assets seem to have increased, people's purchasing power has declined, that is, they have become poor in essence and cannot meet the needs of expenditure. In order to meet their own needs, they can only consume in advance, and the debts caused by early consumption will accumulate more and more. Everything that seems to be prosperous is built on debt. The continuation and accumulation of liabilities need a steady stream of cash flow to maintain. In a prosperous market environment, cash flow is abundant, but 2020 is an epidemic year, the economy cannot maintain rapid development, and the market cash flow circulation is limited. The break of the capital chain led to the final outbreak of debt.

The non-performing rate of credit cards will continue to rise in 2020, and it may also lead to a greater debt crisis due to houses and epidemics.

Spring Festival is the peak consumption season in China, so both enterprises and self-employed people have the habit of hoarding goods. However, in this unexpected year, sudden changes made most people press the pause button during the Spring Festival.

Almost everyone's income has been affected to some extent, which directly leads to the shortage of many people's capital chain and the rupture of credit card repayment sources.

Moreover, if the credit card is overdue, it will be charged with interest and liquidated damages (five ten thousandths of a day's penalty interest and five percent of a month's liquidated damages), just like the domino effect, because there is a problem in the previous link and the customer is overdue.

It got worse over time, but the bank's debts snowballed, and it was still unbearable to just recover. Under the vicious circle, the non-performing rate of the banking industry continues to rise.

Debt is not terrible. The terrible thing is that you dare not face it. Simply escaping can only get you into debt.

May all debtors get out of the abyss of debt at an early date and regain their wealth and freedom.

The bank's random room card, the amount is too large, and the monthly salary of 3 thousand dares to put 30 thousand, which is strange if it is not overdue.

Thank you for your recommendation. I am a migrant worker in a bank. The bad rate of credit cards is the main indicator of my daily work, which can give you a more accurate answer.

Although the non-performing rate of credit cards in the banking industry is generally on the rise in 2020, the non-performing rate of some banks has increased significantly in the first half of the year, and has decreased month by month since the second half of the year. Some banks have even fallen below the level of the same period last year, instead of rising.

There are several reasons for the increase in non-performing loan ratio.

First, the outbreak.

As we all know, the Spring Festival is the peak consumption season in China, so both enterprises and self-employed people have the habit of hoarding goods. The sudden epidemic caused the whole country to press the pause button during the Spring Festival, and almost everyone's income was affected to a certain extent, which directly led to the shortage of many friends' capital chains and the break of credit card repayment sources.

Second, the strict supervision of the state.

Many friends rely on credit cards for their funds and working capital. However, with the control of the credit card business by the regulatory authorities, many abnormal transactions or untrue transactions have been detected by banks, and customers' credit cards have been frozen, deducted or forcibly settled by banks, which directly leads to the turnover of many customers' funds and the hole is getting bigger and bigger.

Third, the domino effect is obvious.

Interest and liquidated damages will be charged for overdue credit cards, because there is a problem in the last link, which leads to overdue customers and becomes bad over time. However, the snowball of bank debts is still unbearable for customers and friends who have just recovered. Under the vicious circle, the NPL ratio will continue to rise to the banking industry.

Finally, I suggest that friends should do what they can when using credit cards, because you never know what will happen in the next second, and you can still avoid many unnecessary risks within your power.

1. Epidemic impact

2. Excessive consumption

The income is less than the expenditure, and the hole is getting bigger and bigger.

4. The cost of living is increasing,

Most people can't make money because the economy is not circular, and now wealth is concentrated in the hands of a few people!

The last sentence is to expand income sources, save resources and make money.

As long as you understand, why is it called a bank? It's homophonic with prostitution. Everyone recognizes money but not people, and interests are paramount. Even so, the liar will not attack it.

In a word, income can't keep up with expenditure.

This situation is the beginning of the trade war after the sharp rise in housing prices in previous years. Due to factors such as insufficient construction and tight funds, the epidemic situation has become more prominent this year.

I know a few bosses who drive luxury cars. In the past, it was 1000 million, but in recent years, the operating cost has increased greatly, and there are few orders, so it is difficult to collect money. Reluctant to give up this enterprise that once made him earn more than one million yuan a year, he put everything he could on it, even the funds for "crossing the bridge". When he had to give up, he found that he owed a lot of money outside and couldn't get it out at all. He can only maintain a basic life by intravenous drip, and live one day at a time. There are not a few bosses who open physical stores with 200,000 or 300,000 on their backs.

Even state-owned enterprises and central enterprises have defaulted on their debts, which shows how difficult it is for operators now.

Under the influence of the economic situation, banks tightened their policies, and the capital chain of card holders was broken, making it impossible to repay debts.