Everyone knows that in ancient times the word "slave" was a derogatory term, referring to people who worked for slave owners without personal freedom. For example, if you ask him to go east but not to the west, in today's people-oriented era, the word "slave" is an adjective. For example, "house slave" and "car slave" are more common. With the development of the times, Develop "Kan slaves", "Huabei slaves", "Jianbei slaves" and other new "slaves" appear.

Everyone knows that "house slaves" and "car slaves" are people who want to have a fixed residence and their own transportation to carry debts, and take the initiative to repay the funds to the bank regularly every month. , and what do those new “slaves” mean? It’s easy to understand from the wording. “Card slaves” refer to people who have to spend more than their credit card balance and cannot afford to pay the monthly payment, or who have been paying off the interest money by using credit cards, debts, etc. "Huabeinu" and "Jiebeinu" are online financial lines similar to using personal credit to "receive" equal amounts.

"Kanu", "Huabeinu" and "Jiebeinu" can actually be classified as excessive consumption. A survey on the consumption concepts of young people in China showed that 57% of them It means "I am willing to use tomorrow's money to do today's things." It is also called "spending tomorrow's money to fulfill today's dream."

This can be said to be a contemporary social phenomenon that mostly appears among young people. Nowadays, most young people have one or even multiple credit cards in their hands. According to data surveys, it can be shown The total credit limit of credit cards at the end of the period was 15.81 trillion yuan, and the total credit repayable was 6.98 trillion yuan. It can be said that in the past 10 years, the total amount of credit granted has increased by 16 times, and the total amount of credit repayable has increased by 43 times.

Central Bank data also shows that as of the first quarter of 2019, the total outstanding loans in the first half of the year reached 79.743 billion yuan, an increase of approximately 22 times from 3.377 billion yuan at the end of 2008. In 10 years, it increased 22 times. This number is very scary, and it has been rising. This year, due to the impact of the epidemic, some companies have suspended or reduced the payment of wages due to insufficient expenses, which has led to a higher usage rate of credit cards. In addition, major platform merchants are now in order to increase Cooperate with banks to cooperate with their own consumption rate and launch "preferential packages" for credit cards. Many young people will choose to "gather wool".

Most of the "Huabeinu" and "Jiubeinu" come from college students. College students have just escaped from the control of their parents and have not yet established a consumption concept. They are easily influenced by the outside world and do not have their own fixed income. The "needs" of people choose to over-consume with their own Huabei, thus overdrawing their future. According to relevant data, among the nearly 170 million people born in the 1990s, more than 45 million people have already started using Huabei. If the repayment period of Huabei is not up to date, they can go to major online loan platforms to borrow various "campus loans". "We just adapted to it. From the beginning, the interest rate was relatively low and it was relatively convenient to borrow money. Later, we "removed the east wall to pay for the west wall." Huge loans with compound interest made college students unable to repay them. It can be said that we often see it in the news.

Although advanced consumption gives you what you want now, there are many things you have to bear later. In recent years, the total amount of overdue and outstanding cards for six months has begun to grow rapidly, reaching 15 billion, 13 billion and 12 billion, the growth rate has accelerated significantly. In recent years, in order to regulate people's use of credit cards, the central bank has implemented strict management of credit cards. For some overdue credit cards, the central bank also wants to solve the overdue problem of credit cards in this way.

If the credit card is overdue, it will have a great impact on personal credit. Overdue credit records will be stained, resulting in financial needs such as house purchases and loans being unable to be processed within the next 2 years. If the credit card is overdue for more than 3 months, If it is not repaid, and the amount exceeds RMB 10,000, and the bank has repeatedly failed to pay the debt, you will not only have to bear the repayment, but may also bear criminal liability.

In my opinion, over-consumption is still within your ability. It can be said that it is best not to reduce your "needs" and consume in advance, be careful to "ruin you"! It is right to pursue the life you want, but is it right to rely on "card slaves" to live the life you want? There is a saying that if you have plenty of food in your hands, you will not panic in your heart. I suggest that the new generation of young people should have their own financial management ideas and make fixed deposits to prepare for emergencies. Let’s encourage each other not to be “slaves” of the new era but to be “little masters” of their own property!