In just a few decades, the mainland economy has undergone tremendous changes, and the income level of residents has continued to grow, which has improved the quality of life of everyone compared with before. The data shows that in 2021, the per capita disposable income of residents nationwide will be 35,128 yuan, while the per capita wage income of residents will be 19,629 yuan, all of which will maintain stable growth.
While the income and quality of life of residents are improving, there are also some bad situations in society, one of which is widely discussed by everyone, and even many people have fallen into this "trap", which is overdraft consumption.
Mention of the four words "overdraft consumption" is not unfamiliar to everyone, I don't know when "overdraft consumption" became popular in the mainland, especially the younger generation is easier to contact it, as mentioned above, many young people fell into this "trap".
Some people said that they used to be "moonlight family", and now they have directly evolved into "overdraft consumption" and begun to spend money later, some young people have a monthly income of several thousand yuan, but dare to spend tens of thousands of yuan per month, and when they reach the repayment date, they will piece together, and finally fall into debt, do you have such people around you?
There are also a lot of survey data showing the current debt situation of young people in the mainland, just like in the "Report on the Debt Status of Young People in China", about 13.4% of young people have no debt, while the remaining young people have different debt situations, before the news of per capita debt of more than 100,000 yuan, how is the debt situation of young people around you?
Many people wonder why the consumption situation of mainland residents changes so quickly, in our parents' generation, they are still very cautious about consumption, and they are more willing to save money instead of spending money.
This is also related to the living environment, in the past people are not very good to get used to frugality, and now there are more ways to consume coupled with the love of parents Many young people are lavish in spending money, and finally developed the bad habit of "overdraft consumption", and even some young people will also take overdraft consumption as a "trend", there are surveys showing that many young people have carried out "overdraft consumption" through various ways.
Under normal circumstances, there is nothing wrong with proper "overdraft consumption", but once it is beyond the scope of what you can bear, then it will hurt you. According to the data of the mainland's central bank, the total amount of credit that has not been repaid by credit cards overdue for half a year in recent years has continued to grow, and a number of data in society also show that the number and amount of overdue debts are growing.
For anyone, every penny they borrowed will eventually need to be repaid, and "overdraft consumption" is very happy at the time, but you will be uncomfortable on the repayment date.
Why, why do some young people fall into this abyss? In addition to the mortgage and car loan mentioned by some people, the most important thing is vanity and the heart of comparison, feeling that others can not lose if they use well, enjoying material life while not considering their own economic strength, debt is an "abyss" Do not fall into it.
In addition, some people point out that there are too many "borrowing tools" in society to promote this situation, have you ever had the experience of "overdraft consumption" or using "borrowing tools"?