The general situation is that the lending qualification review is not strict, and a large number of unsecured credit loans flood the market. Once you are unable to repay and become insolvent, you will only be in debt.

There is another one. Although entrepreneurship has a narrow escape, it has always been publicized, which has led to many people dreaming of getting rich through entrepreneurship. As a result, they were photographed dead on the beach due to lack of experience.

My personal situation is that I consume ahead of schedule, have blind confidence in starting a business, borrow money for family life (including marriage, medical expenses, etc.) and are affected by some bad habits.