"I borrowed 85 and paid back 13! Interest of 5 yuan, annual interest rate of 36%, online loan is too pit! " Xiaoyi posted his own repayment catalogue in the "debtor alliance" of a well-known Internet platform. She pays in monthly installments, one third of which is interest. She was so angry that she made up her mind: "I will unload them one by one and never touch them again!" "

At present, more than 3, young people in the debtor's union are in debt. They failed to start a business, managed their finances rudely, suffered from fraud, and their expenses were out of control. No matter what the reasons for their debts are, we all have the same goal here: punching in to pay off debts and helping ourselves to go ashore.

it's scary to browse the posts in the group.

"In 1993, I owed 47W. I tried to go ashore and start over. "

"16 debts at the age of 24."

"at the age of 25, I have been spending too much, and I don't have enough money to buy a house. At present, I am in debt of 26W."

"the consumption in advance is 3.8W, which will be paid back before August 221. Punch in every month, punch in? "

How to negotiate with the platform, how to handle the dunning call, what to do if it is overdue, and whether it is time to confess to the family. The debtor can't sleep at night and wants to hold a group together to relieve the pressure.

In recent years, advanced consumption patterns are favored by young people. According to the 219 data of "Debt Status Report of Young Consumers in China", among young people in China, the penetration rate of overall credit products has reached 86.6%, and people with substantial debts account for about 44.5% of all young people. In other words, nearly half of the young people are spending "tomorrow's money" more or less, and they are or have become "losers".

The threshold for online lending is extremely low, and there is no cumbersome review and long waiting by banks. The words that appear most frequently in the advertisements of these online lending platforms are "quick trial", "unsecured", "quick loan" and "low interest". Some online lending platforms advertise that their daily interest rate is .1%, 1 yuan, with 1 gross interest per day. However, if the interest is calculated on an annual basis, the daily interest rate is .1%= the annual interest rate is 36.5%, and the minimum annualized interest rate of many online loan products is as high as 2%.

many lending platforms are under the banner of "reassuring" and "willfulness". These platforms warmly wave to young people, and a better life is within reach. Small loans are thousands, with only a few hundred monthly installments. You deserve it. But at what cost? Looking back at the news of the tragedy caused by online loans, we find that the starting point that overwhelmed the huge interest and sky-high debt of borrowers is often just a new mobile phone, a bag or a big-name cosmetics.

Play Krypton, borrow.

gradually, I began to spend more than my present age and level.

the game is a bottomless pit. When I was a freshman, I accidentally registered a loan product. With the passage of time and the improvement of combat effectiveness, my living expenses and loans have been charged into the game. Unconsciously, a game cost more than 2 thousand. The kryptonite players I met in the game expanded my consumption desire from the game to life. The living expenses and pocket money given by my parents are far greater than my daily necessary consumption level. I bought luxury goods and rewarded the anchor.

After working for nearly two months, I finally felt that it was not easy to make money and felt deeply guilty for my parents. It's not too late to wake up. Before the debt becomes unbearable, I am determined to sort out my debts for many years, start over and change myself.

I owed 47W in p>93, so I dare not tell my family.

I always thought I could make it, but now I can't hold on. My family doesn't know that I owe so much money, and I dare not let them know. They think I have a good life after graduation and have a lot of savings. I really can't tell my family that they don't have that much money to pay me back.

I don't gamble online, and all my debts have been accumulated through overdraft consumption since graduation. Before, I especially liked to buy electronic products, and I was fooled into spending nearly 1 thousand on skin care in the barber shop.

I put away my working capital, threw away my stocks and funds, and added odd cash, which was about 1, yuan, which was a little relief. I really don't know what to do with the rest. The next thing to do, first of all, is to cancel the credit card, close all online lending platforms, and then try to find a part-time job, reduce all unnecessary expenses, increase revenue and reduce expenditure, and strive to land as soon as possible.

and M confessed

I borrowed thousands of dollars from my friends, but I was afraid to tell my parents. Later, I confessed everything to my mother. My father said that I would return the iron in the pot to you, but I would never borrow it again. After paying back 2 thousand, there are still flowers and credit cards left, and the minimum monthly payment is more than 1 yuan. I was wrong, ask myself, I feel so sorry for my parents.

Spending in advance, being cheated on part-time jobs

Being urged to pay debts every day, which has affected the lives of family and friends, and I can't look up for a while. Finally, I asked my parents to take out the dowry to repay it, but I still dared not say the full amount. My parents are heartbroken, and I don't know how to face them this New Year.

From buying a mobile phone by installment to being in debt of 55, yuan

I once lived at my cousin's house for the New Year. When I saw her using a smart phone, I was envious. At that time, the mobile phone was broken, so I bought an 8-yuan mobile phone on the roadside to make do with it. But I didn't think much, because I knew I couldn't afford it, and I didn't have much demand for electronic products.

after the new year, I went back to the city to find a job and worked as a cashier in a small shop. I didn't expect my dad to call me and buy me a smart phone. He paid the down payment, and I paid the rest myself. Suddenly I got something far away from myself. I didn't think much at that time, but it was staged as soon as my brain was hot.

playing games and buying skin cost a lot of money.

At present, seven online loans are overdue. Call me every day. There is no target now. How much can I pay back? Life goes on.

rational consumption and cautious online lending

In July p>22, a girl in her twenties was sentenced to life imprisonment for killing her mother at first instance. There is a shadow of online lending behind Xiaosan. According to her confession, she did this because she was unable to repay the online loan of more than 1, yuan, wanted to commit suicide, and worried that her mother could not bear it when she died, so she killed her mother.

although it cannot be concluded that the above absurd and cruel actions are all due to online loans, online loans are indeed a very important inducement in this case. Maybe you can blame the problem on girls' poor self-control and endurance, but this can't hide the fact that some online lending platforms take advantage of human weakness. The true face of

.

The threshold is low, the next payment is quick, and the amount is large, so it is difficult for many people to resist the temptation of online lending. As long as you rely on your ID card and mobile phone number, you can get a quota ranging from several thousand yuan to tens of thousands of yuan in a minute, and even interest-free rights in installments. I believe many people will immediately fall into the "happiness" of "I was so close to my dream".

I don't know that this "happiness" comes at a price. Online lending is not a gift from fate. Suddenly, one day, you find that the loan has exceeded your repayment ability, so you "rob Peter to pay Paul". Eventually, the "hole" was not filled, and the loan finally showed its ferocious side, which made people panic all day. I once dreamed of living a "life that I can't cope with". In the end, I found that instead of "living what I want", I ended up with a chicken feather.

it may not be fair to say that the online lending platform is useless. However, it must be noted that in daily life, we should establish a correct concept of consumption, abandon the concept of excessive consumption and herd consumption, and think twice before spending money: whether we really need the commodity, whether the price of the commodity is within the tolerance range, and whether we have the ability to repay the money as soon as possible. We can set a consumption limit for ourselves.

at the same time, the management department should strengthen the guidance and management of the major online credit platforms, so as to prevent the bottomless line from increasing the quota and inducing excessive consumption in advance. When the online platform provides consumer credit products, it should do persuasion and warning to guide young people to spend rationally, and enterprises should control the loan object, consumption content and credit line. Related questions and answers: