#我来唠家常#
In the spring breeze of the "Year of Consumption Promotion", it seems that we should feel more vitality and expectations. However, many netizens are relatively cold about this.
Why? One of the "stalks" that is hard to ignore is "debt".
Three years into the pandemic, many young people are burdened with heavy debt pressures. Credit cards, online loans and housing loans are like three mountains, overwhelming them.
Faced with the dilemma of not being able to repay in time, debt collection calls are like endless turmoil, making them unable to do things with peace of mind, and even falling into a vicious circle of being scammed.
In the face of such a dilemma, can we try to get to the root causes, and why not give those who are struggling due to the pandemic, overdue and unable to repay their credit cards and online loans a respite within a decade?
In the past ten years, there is no longer the harassment of collection calls and messages, and the interest is collected normally, but the pressure of collection has been released.
Ten years may be a long time, but it is a critical period of replanning, adjustment and revitalization. This will not only allow the debtor to return to normal life, but also allow them to think calmly about the future direction.
There are concerns about whether such an approach will encourage people to go into debt, but in fact, the decade has been mainly aimed at people who are struggling due to force majeure.
They are already under tremendous pressure and are the target of policy and financial assistance. Moreover, not collecting does not mean not repaying, it only gives them a chance to adjust and recover.
Some people ask, how can the interests of the financial sector be safeguarded? In fact, many policies and funds are currently used to promote consumption. We can carve out a portion of this as compensation for possible losses in the financial sector.
In the long run, helping these debtors to recover their ability to repay is also in the interests of the financial sector.
Some people asked, is there a precedent to follow? Luo Yonghao's case is the best proof of this. Under the pressure of huge debts, he managed to pay off most of his debts in just a few years with his own efforts and proper adjustments.
This is not only a personal victory for him, but also a source of hope and direction for those who are also facing difficulties.
There are also concerns about whether this is unfair to people who are not in debt, but in fact, a healthy economic cycle is a shared responsibility. When there is a problem on the first and second floors of the building, the people on the third floor also need to face the risk together.
Helping those who are in trouble is also creating a more stable and healthy environment for yourself.
Ten years of reminder exemption is not only the care and support for debtors, but also the in-depth stimulation of economic vitality. When we truly understand and care for each individual, the big ship of the economy can sail more steadily.
Conclusion: Driven by innovative thinking, the 10-year no-reminder proposal provides a new perspective for solving the debt problem. This is not only a substantial assistance to the debtors, but also a deep stimulation of economic vitality.
It breaks the limitations of traditional collection and understands and helps those who are in trouble due to force majeure factors in a more humane way. This policy is a respect for the dignity of the individual and a reflection on the overall stability of the economic cycle.
Looking forward to the future, we hope that such innovative thinking can be more widely practiced, and inject more vitality and hope into the steady development of the social economy.