From the end of January 2020 to the present, the impact of the epidemic on life has been great. What impressed me more was the first two or three months of lockdown, especially February and March 2020, which was the first time that china and mankind encountered the new crown, and that time our economy and life made unprecedented sacrifices for this unknown thing.
If you look at the figure below, before the National Day of that year, I made a five-year economic growth forecast, accurate to each quarter. The growth rate figures for the first quarter of that year are out, and it is the first time in decades that our economy has gone backwards.
That economic sacrifice is very large, offline trade, especially shopping malls, stores, has been hit as never before, it can be said that the physical sellers in the first half of the year is not open, such as the theater until July-September, only to be released, and at the beginning of the requirement that neighbors can not sit people.
Since then, during the Spring Festival in 2021, the epidemic situation has not been too serious.
Subsequently, in large foreign-related cities and several tourist attractions, sporadic epidemics occurred from time to time, spreading, preventing and controlling and clearing zero on a small scale.
After the Delta strain came out, in the summer of 2021, it opened a more impressive prevention and control from Nanjing Airport, which also became the top priority because Yangzhou near my hometown became the top priority. An old lady in Yangzhou who married into Nanjing concealed her trip and used her sister's health code to participate in "gambling" in Yangzhou. The chess and card room in Yangzhou is relatively large, with hundreds of mahjong tables starting at the same time.
At present, in early April 2022, the day before yesterday, I saw the news that the yangzhou old lady had just been arrested recently. As for how many days or years she was sentenced to, I wasn't in the mood to pay attention. It's finally over.
Even more serious is this round of outbreaks, which have broken out in many places, and the culprit this time is mainly the More easily transmitted Omikejong strain. If you look at the figure below, there are more than 25,000 local confirmed cases in this round.
Of course, some people say that as far as the world is concerned, the overall case fatality rate of the new crown itself has dropped rapidly to 1.3%, and even some developed countries have reached a few thousandths, which is lower than the case fatality rate of influenza.
We look at the above picture of the epidemic abroad, close to 500 million people have been diagnosed, they are "lying flat", we look at here "When will the epidemic end?" 》。
But in any case, in the domestic area is still in the stage of prevention and control, the country needs this policy, in line with Asian culture, and we cherish life, European and American countries are mainly capital-driven commodity machines, not too concerned about the lives of the people, including their own people. When an employee dies or gets sick, it's a big deal to change to a healthy one, which is the logic of capital.
Seeing this, you can answer the question: "Why don't the United States and NATO care about wars in other countries, don't care about the lives of others, and even what they have been expecting and provoking the dead?" "Bai is the spokesman for the fierceness of capital.
Back to the epidemic situation abroad, there is a difference in living habits, whether it is rich or poor countries and regions abroad, in addition to a few overlapping with the Chinese circle in the Asia-Pacific region, generally have almost no saving habits, and even eat grain, so they have a month and a half without going to work, it is unimaginable. Even, there is no income for a few weeks or ten days, and life is difficult to sustain.
Once they lose their jobs and are unable to pay their bills, they have a bottom-up plan in developed countries, that is, to apply for personal bankruptcy, which can be exempted from debt, which is what we call "not on the blacklist". Prior to this, it is also possible to apply for relief payments and temporary rations. However, if it is in a non-developed country, in order to survive, the blacklist is not a big problem, and it does not matter, and then naturally wants to go to the family and rob the house or even organize the team to be a bandit.
The above is also for survival, we do not judge the rights and wrongs of others, just make a reference.
In our present, in case you affect your income and work because of the epidemic, you will inevitably start to consume surplus grain, once the savings are not enough, then the next step is to cut off supply, rush, "jump off the building"...
You may not have an intuitive feeling when it comes to this. As an example, this group friend reached such an income model shortly after graduation: the monthly salary is 5,000 + commission is 20,000 5, so his monthly income is about 30,000.
However, there is no 13 salary, that is, year-end bonus, quarterly award, spiritual civilization award, equity incentive, etc., which are not. Their income is strictly related to the word "going to work", assuming that they do not go to work, the annual income will become 5,000 * 12 months equal to 60,000, deducting social security, etc., the remaining 40,000 5, completely not enough to live, not to mention can pay back up to 10,000 monthly mortgages of up to 10,000. And as long as you don't go to work for 1-2 months and don't open a single, you will basically be eliminated and expelled, and even the words "dismissal" and "optimization" are not counted, and they will not be able to turn.
For readers like him, I wrote this article after the New Year, "Why are some positions particularly high after graduation?" I listed several similar positions, including programmers.
These seem to be high wages, but have great vulnerability, not only easy to lose their jobs, but also too much physical harm, future re-employment is not welcome, and so on, all kinds of drawbacks.
Moreover, the nature of their work and salary structure, combined with the age of just graduating, can easily cause them to "force themselves" to think. This is the ancient thinking of "cultivating oneself and ruling the country and the world" and "putting one's life in the land of death and being born later".
The so-called appearance is the peak, they have not been able to understand the meaning of the peak is the high point, and continue to look forward to it: just graduated from the year to enter 400,000, force themselves, immediately become 800,000. Therefore, this will naturally use up to 20,000 / month of loan repayment pressure to force themselves to be cornered, looking forward to "willow dark flowers".
This kind of "basic salary + commission" work has great uncertainty, and I have been persuading everyone not to do it, no one or unit will help you to do the bottom.
In addition, this kind of salary looks high at first, but it is not actually high. For example, we have hundreds of undergraduate friends in 2018, and the average annual salary in Shanghai has reached 300,000; in 2017, it was around 350,000; the undergraduate person of the same age who repaid 10,000 loans a month has an average annual salary of 400,000, exceeding his income of 360,000. Moreover, almost all of the friends are in large enterprises and large units, and these situations are unlikely to occur: unemployment due to the epidemic or economic fluctuations, no wages at home, loss of income if you do not go to work, and so on.
The day before yesterday, it was said that a man in Shanghai wanted to climb out of the community wall to "escape" and run didi, but was caught, so he squatted helplessly in the corner of the wall and said something painful!
In fact, he wants to repay the loan and support his family, which has won the sympathy of many people on the Internet. His salary mainly relies on "doing more to get more", here everyone understands, belongs to the "basic salary + commission", and even 0 low salary + commission.
But we in the workplace, in this situation, we must skillfully use the situation for our own use. What does that mean?
We look at any contract, whether it is a labor contract, a sales contract, or a loan contract, a supply contract, which is roughly in the position of the penultimate article, and there will generally be a "termination agreement". There is a sentence in this termination clause that is bound to appear and has always been familiar to everyone but has never been used, "In this agreement/contract, if the agreement/contract cannot be performed due to force majeure, both parties A and B or one of them may be partially or completely exempted from liability or non-performance of the agreement/contract." ”
This "force majeure" is one of the exception clauses, also known as the exemption clause, which refers to objective situations that cannot be foreseen, avoided and insurmountable. The sources of force majeure range from natural phenomena, such as earthquakes and typhoons, to social phenomena such as military operations.
Obviously, the coercive force that is irresistible to human beings is called force majeure, which has objective contingency and inevitability, subjective unpredictability and social harm. All countries in the world have made force majeure a condition for exemption from liability, and China is no exception. For example, Article 180 of the Civil Code of China stipulates that those who cannot perform civil obligations due to force majeure shall not bear civil liability.
You say that the negative impact of the epidemic on you is not one of these force majeures?
We look at the new crown epidemic that began in early 2020, which has already had an impact on all walks of life, and the more affected people are facing the dilemma of temporarily losing their sources of income, and the pressure on loan repayment has begun to increase. In order to solve this problem, in 2020, the relevant departments responded quickly, issued a series of policies, and financial institutions also responded positively and formulated detailed rules.
For example, due to the impact of the epidemic, there will inevitably be people who are unemployed and lose their sources of income, can their loans be delayed? What about credit records? In the face of public concerns, the relevant departments have responded quickly since January 2020.
On 26 January 2020, the China Banking and Insurance Regulatory Commission (CBIRC) clarified that for those who have temporarily lost their sources of income due to the epidemic, they should give appropriate preference to credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period.
On February 1, 2020, the Chinese Bank and five other departments jointly issued a notice to clarify that for those who are hospitalized or isolated due to covid-19 infection, those who need to be isolated for observation in epidemic prevention and control, those who participate in epidemic prevention and control work, and those who have temporarily lost their sources of income due to the epidemic, financial institutions should give appropriate preference to credit policies, flexibly adjust personal credit repayment arrangements such as housing mortgages and credit cards, and reasonably postpone the repayment period.
Since April 2020, major banks have launched deferred repayment measures ranging from 28 days to half a year for personal loans, and some banks have implemented "one person, one policy" to reasonably postpone repayment time according to different circumstances.
For example, the credit card of ICBC can provide a deferred repayment service for people who have temporarily lost their income due to the epidemic, and the longest period is until the end of the epidemic. Everyone should pay attention to the fact that this "epidemic" has not ended for at least 2 years. If you need a longer repayment period in 2022, you can naturally apply for an extension.
Therefore, the young man in Shanghai who climbed over the wall to make money during the sealing period did not use this policy and did not understand the market. Of course, he should have other economic pressures, not just to repay loans.
Let's look at the clever maneuver of another man.
Recently, a netizen in Gansu, Mr. Zhang, lost his job, no income, or did not go to work he has no salary, because the work is also a "basic salary + commission" structure, he is located in Jingyuan County, Baiyin City, in fact, there is no case of positivity, but on April 1, because the epidemic has been sealed for more than ten days, he has no income, what to do?
Xiao Zhang thought of a way, he usually likes to watch the news, on April 1, he found a common media account to complain, in fact, he also sought help. He reacted to the media, saying that he did not go to work and had no income, and the mortgage and car loan could not be repaid, the child still had to eat milk powder, and his wife had no salary, hoping to get help.
In fact, he is in a hurry to go to the hospital, he should find the civil affairs department, or also call the 12345 citizen hotline, and even find the local letter and petition office, but he found the media.
On April 2, the relevant departments of Jingyuan County have immediately taken action. The local community has come to Xiaozhangjia to understand the situation and is ready to help. The community quickly sent people to the door to comfort Xiao Zhang's family, giving away food such as rice and noodles.
With a help, Xiao Zhang came to "courage", he continued to contact the Industrial and Commercial Bank of China, which handled the mortgage for himself, and the staff of the bank's credit department said that Xiao Zhang could postpone the repayment time, and he could submit the application certificate in writing to the bank after the end of the epidemic control, and the maximum delay time was currently 6 months.
Xiao Zhang continued to apply to the car lending institution for deferred repayment, and he also applied to the civil affairs department of the place where his household registration was located, for living assistance funds, which was a free cash gift from the state.
The above is just an example of Xiao Zhang, a county in the western region where there is no serious epidemic, and There are no cases in Jingyuan County, where Xiao Zhang is located, and the sealing and control for more than ten days also belongs to the scope of the epidemic and belongs to the unified deployment of epidemic prevention measures.
In contrast, some of our professionals in big cities, even some of whom have not been able to leave home for 10 days, 20 days, and 1 month, can try to delay or alleviate their own credit loans, mortgages, car loans and various pressures through the above "experience", including in case they go to the credit blacklist to see how to apply for cancellation and eliminate bad records.
According to the practice of the past two years, the relevant impacts of work stoppage, isolation and treatment caused by the current epidemic are regarded as quasi-"force majeure". But foreign countries do not think so, and this is the case at home for the time being.
Of course, the media that Xiao Zhang first looked for seems to be surging news, I believe that you can find your local civil affairs department or the 12345 mayor's hotline, more effective; you can also talk to the bank about the delay, including talking to the social security and provident fund center about late payment; if you are sorry, you can find the local media, such as Shanghai's Xinmin Evening News, Nanjing's Yangzi Evening News, may be useful; even, you can contact today's headlines, Baidu, a little information, Alipay, etc., you can seek help, you can also invest.
We professionals are especially outside the system, you remember these four points, see "Who is suitable for people outside the system?" 》。 One of the most important ones is actually called "bad face". According to the situation for their own use, relieve their own pressure, so as to survive adversity and seek the next step of the comeback, this requires courage, do not be afraid of losing any face, face to kill people.
As the saying goes, a child who can cry has milk to eat, but you also have to look at the time when you cry. Xiao Zhang's crying on April 1 is very useful, you run to August 1 to cry again, it is estimated that the effect is not great. why?
First, because there are no confirmed cases in the county where Xiao Zhang is located, that is, the "epidemic" is not serious at this time.
Second, even in Shanghai and serious Shenzhen, Jilin, Changchun and other places, even if it is the whole country, this wave of prevention and control is mainly in March to April; May 1 can be roughly alleviated, you go to work as a part-time worker; but private enterprises, private enterprises, especially small bosses of offline physical stores, will probably close in May and June, run away; the boss in June and July; even the private big bosses can not hold up, the time can not be held up roughly from August, last year there is a "precedent" for Evergrande, you don't have to be surprised.
Therefore, after a few months, hundreds of thousands or even tens of millions of Xiao Zhang is unemployed, and they all come to apply for condolences, living assistance funds, loan postponement, and even sympathy and comfort, then you are too late, at least the role is limited.
Well, this article ends here, around such a big circle, in fact, it is mainly to say that if the epidemic affects your income, or even leads to you having no money to repay the loan, life is difficult, you can immediately apply for an extension, seek help, do not have a good face, do not force yourself to jump off the building.