If there is a sin that cannot be forgiven by Chinese, it must be a debt!
The golden decade of economic development of country Z is also a decade of rapid debt generation.
In economic and social development, debt is an indispensable production condition, and debtors, as the main body of implementation under economic development, not only have their contributions been wiped out, but often they have become victims of history and even cannon fodder.
The debt problem cannot be solved through effective means, which not only brings about the intensification of social contradictions, the outbreak of social integrity crisis, but also becomes the biggest obstacle to economic development!
Therefore, China's debt problem has reached the point where it cannot be ignored!
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Economic and social development, in private enterprises, in debtors.
A brief analysis of the formation structure of the mainland's debt relationship is not difficult to find that the nodes of the large-scale formation of the mainland's debt were formed in the past 10 years of rapid economic development.
To put it simply, in the decade after 2008, the mainland ushered in unprecedented development opportunities, in order to encourage the development and growth of enterprises, vigorously develop private finance, activate private capital, all kinds of online loans, credit cards, and private loans have sprung up.
As a result, many people who are not willing to be mediocre, have dreams and passions, and they all want to get a piece of this wave.
It is precisely under the leverage of hundreds of millions of debtors that the mainland's employment rate, GDP, consumption index and other data have stabilized and improved.
However, when the tide rises, there is a tide fall!
After low tide, I know who is swimming naked.
In just two or three years, these debtors who borrowed to start businesses and overdraft consumption did not take a share of this wave, but became heavily indebted debtors. Today, debtors who lie on the blacklist or are trapped in debt are the tide makers at that stage!
In the torrent of economic development, they use passion and dreams to leverage financial capital, and then use this money for economic construction, social innovation, employment consumption, consumers get benefits, upstream and downstream get profits, ordinary people get employment, creditors get interest, and only debtors, except for a bunch of debts and full of infamy, wives and families are broken, nothing but a bunch of debts and infamy, wives and families are broken.
Without this vigorous wave of entrepreneurship, there would not have been a decade of rapid development; And the debtor used the future of the whole family and the clarity of the first life to inject fresh blood into the economic development.
If everyone is skeptical, then look at the current economic environment; Why is there a downturn and depression?
First, ordinary people have not yet recovered from the nightmare of overdraft consumption, and they know that the consequences of borrowing money to consume are too serious.
Second, no one wants to borrow money to start a business, contribute taxes, contribute GDP, solve employment, and finally be scolded as "Lai" by others.
If you do not consume, it means that the operation of the entity enterprise is hindered; If you don't start a business, unemployment will rise, and if you don't have income, you won't consume, which is a vicious circle.
At present, once entrepreneurs fail, they will fall into a state of irreparable disaster, which is the biggest resistance for private entrepreneurs!
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Debt disputes violate the laws of economic development.
What is debt?
is the debtor's economic liabilities to creditors; But a curious phenomenon is that the mainland has always linked debt to moral obligation.
Of course, this is inseparable from China's complex social relations, because the emergence of lending relationships is not only the emergence of money relations, but often accompanied by human relationships. In layman's terms, I lend you money because I look at the face of relatives and friends.
Therefore, once the debt cannot be repaid, the creditor uses morality to condemn the debtor, and even the court believes that the debtor does not pay the debt because it has lost its integrity, so it uses administrative means to put moral pressure on the debtor.
It is precisely under this wrong logic that debt disputes are difficult to resolve, and even cause bad debts, bad debts, and dead debts.
On the one hand, the creditor holds the verdict in favor of the lawsuit and wants to cry without tears; On the other hand, the debtor loses the ability to create and repay under multiple constraints.
This is because no one wants to face a situation where the debtor is unable to pay the debt.
Even if the creditor knows that the debtor has nothing and is penniless, he will still pursue him and go to court;
Similarly, for the court, knowing that the debtor has eaten the last meal but not the next meal, and knowing that the court's blacklist means that the debtor can never turn over;
The reason is simple, because all they can do is deprive the debtor of the last dignity and get a glimmer of pleasure!
But is it useful for resolving debt disputes?
Completely useless!
Because this is completely contrary to the law of economic development.
As mentioned earlier, the debt problem is an economic problem, and the basis for resolving debt disputes is determined by economic capacity.
That is, if you have money, you can repay your debts, and if you don't have money, you will naturally break the contract.
So when the debtor is unable to repay, they will have the money to pay the debt?
Beating and verbal abuse, violent collection, destruction of their work, production and life, they will have money to pay off their debts?
Go to court, enforce it, put them on a blacklist, and they will be able to repay?
On the contrary, such an extreme approach greatly reduces the debtor's creative capacity and the debtor's ability to repay.
In other words, the debtor's ability to repay lies in the creative capacity of the economy. Any act that undermines the creative capacity of the economy is in fact an obstacle to debt resolution.
At present, the number of indebted people on the mainland has exceeded hundreds of millions, and behind this is the disaster of countless families.
Indebted families will undoubtedly become poor people, fall into the debt quagmire for a long time, and will also become the fuse of social conflicts;
Debtors are not beasts, don't they have to go into debt because of economic problems? Today, they have bigger economic problems that marginalize them, which I think is contrary to social civilization.
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The debt crisis will inevitably lead to the outbreak of a crisis of trust
Cao Dewang, an entrepreneur, said that the biggest crisis in society is the crisis of trust caused by debt.
It is mainly reflected in the following aspects:
1. The debt crisis will destroy the financial order.
First of all, if the debt dispute becomes more and more serious, it will inevitably lead to a crisis of trust between the debtor and the two parties; In order to prevent trust risks, creditors will directly increase the cost of debt, which is extremely detrimental to economic development.
2. The debt crisis will disrupt the balance between the real economy.
The most obvious is all kinds of liabilities in enterprise operation, triangular debts, and if either party does not repay the debt on time, the entire industrial chain may be paralyzed.
3. The debt crisis creates obstacles between people.
At present, there are already huge obstacles for the debtor group, because of a momentary mistake, the debtor is unfortunately forced to break his trust, so no matter what they do in the future, they will be treated differently; Over time, such obstacles will form social contradictions.
4. The debt crisis undermines national confidence.
Success as a boss and failure as a boss has become an unspoken portrayal of private entrepreneurs.
Therefore, in the operation of enterprises, they have to tremble and look ahead, and these preventive behaviors will eventually be reflected in various forms of exploitation of laborers and speculation in business, after all, these behaviors are much lighter than the punishment of "Lao Lai".
Therefore, in the entrepreneurship survey of future young people, it is shown that more than 90% of young people have no desire to start a business, and more than 70% of them have "lessons" from parents.
The development of a country is inseparable from hundreds of millions of entrepreneurs; If young people, like they are afraid of getting married and having children, are afraid of starting a business, then how can we talk about economic development, how can we talk about living and working in peace and contentment, and how can we talk about Guotai and civil security?
Therefore, let China's debt relationship tend to be benign, let hundreds of millions of debtors no longer be bound by debt, let the young people of the future dare to try, and have the opportunity to stand up from failure, this is the future of China's economy!
1. It is necessary to speed up the implementation of the Personal Bankruptcy Protection Law. Personal bankruptcy protection does not mean letting the debtor pick up the bargain, but about giving the failed debtor the opportunity to start all over again, not a failure, never a day.
2. Treat debtors gradedly, and those who maliciously evade debts must be severely punished; And for honest and unfortunate debtors, sufficient time and opportunity must also be given.
3. Do not use criminal means to deal with debt disputes, which is not only not conducive to the resolution of debt disputes, but also easy to make debt disputes fall into a dead end.
Debt disputes have seriously affected the personal interests of both parties to the debtor, affected economic development, affected social integrity, and affected confidence in the future, to the point that they cannot be ignored!