I feel that many people are heavily in debt and many people have no money. What is the reason?

Debt is a double-edged sword. If used well, you can create more wealth and reach the peak of your life. But if it is not used well, it will fall into a vicious circle, leading to heavy debts and even inability to turn over. HSBC has done a market survey before, and the survey results show that the post-90s per capita debt is nearly 6.5438+0.3 million yuan.

Of course, it is not just the post-90 s who are in debt. In fact, people of all ages have a lot of debts. For example, by the end of 20 18, China's total household debt was 73.65 trillion yuan, accounting for 82% of GDP and 187% of household disposable income.

So what is the reason why everyone is heavily in debt? The reasons for this are complicated, but according to the customers we have contacted, I think there are mainly the following reasons.

China has always been a country with a high savings rate. In the past, everyone's consumption concept was conservative, and they generally spent as much as they had. Even many families are used to saving some money to deal with some unexpected situations in the future.

However, in recent years, under the influence of various leading consumption concepts in the market, people are gradually accustomed to leading consumption, and many young people are accustomed to spending tomorrow's money to enjoy today's life. Therefore, even if there is no money, many people still consume at full capacity, especially with the continuous rise of various online shopping, the shopping environment is becoming more and more convenient, and what mobile phones can buy is easy to impulsively guide consumption.

And now many people don't have the concept of consumption, because everyone uses credit cards or other consumer credit to spend money, so they know exactly how much they have spent. The final result of this confused consumption is that everyone's debt is getting higher and higher.

At present, everyone's debts are mainly concentrated on mortgages. For example, by 20 18, the total debt of Chinese residents will be about 74 trillion, and the balance of individual housing loans will reach 25.75 trillion, which means that the proportion of individual housing loans to residents' debts will reach about 35%.

Of course, I think this 35% ratio is conservative, because this 25.75 trillion data only counts housing loans in the banking system, but in fact, many families' down payment is actually raised through debt, which may be through credit cards, consumer loans or borrowing money from relatives and friends. Therefore, it is conservatively estimated that the current housing-related liabilities of China residents are at least 35 trillion yuan.

Why did everyone have less debt and more savings in the past? Because there were few channels for borrowing money before, I wanted to borrow money from acquaintances other than banks. However, in recent years, with the emergence of various financial institutions in China, people have more and more channels to borrow money. In addition to traditional banking channels and borrowing money from relatives and friends, there are also various microfinance companies, online lending companies, consumer credit companies, guarantee companies, pawn shops and usury companies that can borrow money. Moreover, compared with banks, these borrowing channels are relatively simple, most of them are unsecured and unsecured, and many of them can get money directly through online application.

It is precisely because there are many channels to borrow money at present and it is very convenient to borrow money, so many people will think of borrowing money to solve it once they are short of money, and will accumulate a lot of debts over time.

We will find a problem by contacting those who often borrow money. Many people actually fall into a vicious circle because of the accumulation of debts. At first, we didn't borrow much money. For example, some people just borrowed a few hundred dollars or thousands of dollars for emergency, but all borrowed platforms with relatively high interest rates and short term. Once they can't repay the loan normally, they will face high penalty interest and liquidated damages. So many people only borrowed a few thousand dollars at first, and after a few months, the money became tens of thousands or even hundreds of thousands. This way of borrowing money by rolling interest makes many people breathless.

In the last two years, the overall global economic environment is not ideal, especially in the last year, with the escalation of world trade disputes, many export-oriented enterprises are facing great difficulties in survival.

Moreover, in recent years, with the continuous adjustment and upgrading of China's industrial structure, many regions have eliminated some backward production capacity, and even many large enterprises have moved to Southeast Asia or South Asia. The departure of these enterprises has not only taken away GDP, but also taken away related upstream and downstream industrial chains, making it difficult for many small and medium-sized enterprises that rely on such large enterprises to survive. Finally, in order to survive, many small and medium-sized enterprises can only borrow money, but after the loan expires, they are unable to repay it, so they fall into a vicious circle of borrowing the new and returning the old.

In recent years, entrepreneurship is on the rise in all regions. Many people think that starting a business is a wonderful thing, but when they really do it, they find it is far from being as simple as they thought. Of the entrepreneurs 10, basically seven or eight will be defeated. Nowadays, many people have no start-up capital and can only borrow money to start a business. As a result, they were in debt when their business failed. There are many similar people at present.

The reason is simple:

First, it's too easy to get a loan now, just have a mobile phone;

Second, there are too many temptations now, and I can't resist and have no ability. I can only satisfy them by overdrawing my wealth;

Third, if you want to get rich, but have no funds, you can only borrow money;

There are two examples around me that can fully illustrate all this;

The first example:

My friend's wife, she is crazy about famous brands. Although she is only a nurse in a hospital, she is covered with famous brands. Colleagues who come into contact with her all think that her family conditions are very good.

But the fact is, because she is too persistent, she wants to enjoy praise and face in front of others, and she constantly spends too much on credit cards. Later, she became a card-raising card and finally developed into a loan-raising loan.

Finally, she owed hundreds of thousands, and her friend took out all her savings to pay her debts. It's really hateful and pathetic.

The second example:

One of my tenants, a boy born after 90, started a business in partnership with a friend. A few years ago, I rented my shop to do business, but it closed down in less than a year, and finally I couldn't even pay the utilities.

I didn't know until I asked. I started a business with a few small partners, and now I am burdened with hundreds of thousands of debts, and I can't persist. Coupled with just starting a business, I have no experience, my business is bleak, my income can't keep up with my expenses, so I can only choose to give up.

I asked him what to do in the future. He told me that he could only find a job to pay off the loan first, which is estimated to take several years. How many years are there in life?

Conclusion:

At present, with the flood of loans and easy access, many young people suffer greatly. Not only because they lack self-control, but also because they are unable to resist temptation and their vanity is bursting. I even saw someone take all their savings to buy a luxury car with a loan in order to get a swollen face and be fat. As a result, I was unable to repay it and sold it a few months later.

Therefore, recognize your own ability, lend rationally, and it is best not to touch the loan. Malignant debt is not good for you! !

This is a very realistic problem.

This is the case with many friends around me. At ordinary parties, everyone is full of bitterness. Several properties in hand are faced with shrinking house prices and high monthly supply pressure, and they are unwilling to sell, but they may not be able to sell; As a textile mill, there was no order for several months, and the daily expenses were high, and the workers were dismissed; In the past, there were many people in the shopping mall, and business was booming. There are basically no people in the shopping malls now, and there are few holidays. I closed the store after the New Year. Those who do construction projects have few projects, high advance payment cost, and it is difficult to pay back the money. They are also sad.

Generally speaking, these people are ok. They made some money a few years ago, but now they complain and feel heavily in debt.

What caused it?

I think there are two points:

1, in the process of economic downturn, assets shrink, asset returns decrease, asset costs remain unchanged or even push up;

Our personal or family assets usually exist in the form of cash, real estate, cars, bonds, business investments and so on. In the process of economic downturn, cash faces the risk of depreciation, fixed assets such as real estate shrink, bonds shrink, and the income of investment enterprises decreases. In this case, many people have a lot of assets, but the cost of assets is rising, such as mortgage, and the return on assets is declining, such as shrinking real estate and passively increasing liabilities.

2. In the process of economic downturn, income decreases, inflation rises, and consumption habits are difficult to change in the short term;

In the process of economic downturn, as assets shrink and cash depreciates, people's income also decreases, and high debt+low income+cash depreciation has caused great pressure on people's consumption. With the possible inflation of social goods, the imbalance between income and expenditure is more prominent. At the same time, the consumption habits that have been developed are difficult to change in the short term, which may also increase the burden of income and expenditure.

Therefore, people generally feel that the money in their hands is getting less and less valuable, harder to earn and more and more stretched.

This is caused by the economic environment, and we ordinary people have no good solutions. The only thing we can do is to recognize the reality, plan our own income and expenditure, and actively make adjustments and responses. Follow the trend of the times and gradually improve the current predicament with the reversal of the economic cycle.

In today's society, it may be rare that no one is in debt. China people's concept of money has changed. In the past, they saved as much as they earned, and it was very practical to keep their money in the bank. Now it is how much to borrow and spend, whether it is online loans, credit cards or even usury, it is king to flow out the money.

Example 1 or so:

Example 2 or so:

Of course, there are many different reasons for debt. For example, the real economy is not good and investment fails; Borrowing a routine loan, the interest is scary, not enough; Credit card overdraft to buy a house, resulting in heavy debts; For the sake of superficial beauty, I have no money to borrow money from the bank for consumption. ......

No matter what the reason, everyone is inevitably in debt and life is not easy. But we must have a positive attitude to face it and try to repay the arrears. I wish you all an early landing!

Everyone around us is lending money and managing money, but they don't feel heavily in debt. Now, because personal loans are legally bound, they basically choose financial management. What you said is heavily in debt, which may be some groups with overdraft consumption of online loans and credit cards, and some of them are heavily in debt for investment and entrepreneurship. Let me talk about the situation around me: both my neighbors are working. The salary of the man in the hospital is1.2000, and the salary of the woman in the listed company is1.5000. Both of them have bonuses at the end of the year. After one year, I have a car, a house and a deposit of about 200,000. I have a cousin who is an officer and chooses his own job. Retirement allowance 1 10,000 yuan. The salary of plateau soldiers is10.9 million, and his wife works in the supervision room, with a salary of more than 8,000. He has a car, a house and a deposit. My friend started a project in 2002, with a deposit of more than 6.5438+million, a car and a villa. In 2008, my friend made steel, 5 houses, and more than 2 million deposits, including BMW and Mercedes-Benz. One of my neighbors runs a beef noodle tube, with a daily income of about 1.2 million and an annual income of more than 1 10,000. Many of my friends in listed companies are bosses, regional managers and chief financial officers. They all have good income and little debt. I don't know what group you are around.

I met two acquaintances yesterday. One of them, Brother Hua, runs a hotpot restaurant. Usually, I often drive a Ferrari luxury car in a circle of friends, and the second one cooks home cooking. On the wall of the museum, there are still photos of him with the governor, comedian Ma Ji and Grandpa Zhong. As a result, Hua Ge closed down and transferred ahead of schedule and lost contact. Xiao er was detained for illegally raising money because he couldn't pay the rent!

At present, there are many people who earn 3000 yuan 10000 yuan, which are all caused by excessive consumption, failed investment, mortgage pressure and increased living expenses. In addition, the consumption of the rich stimulates ordinary people to follow suit. As a result, there are hundreds of thousands of loans, 70,000 to 80,000 micro loans, 70,000 to 80,000 IOUs and hundreds of thousands of credit cards in JD.COM. It's not all money, nor will it fall from the sky.

Tell me why many people are in debt at this age. They all spend money in advance, relying on spending money, borrowing money, small loans, credit cards and JD.COM IOUs to support their desires. However, wages can't reach this consumption level at all. They were in debt last month, and their wages were basically gone. The vicious circle has basically been in debt.

At present, the weather, geographical location, people and people are not in a stable state. There is only one sentence. Now is the time to defend, defend the present family, and don't lose it too soon; Keep your present state of mind and don't lose your faith! [Smiles]

About the word debt, I not only feel extremely sad! My fifteen years of hard work are vividly in my mind! Let me tell you something!

One night fifteen years ago, a sweet baby cried, which brought great joy to my little family. I'm so excited to be a father! The good times didn't last long. When my eldest son had a full moon, I found that one third of the bones in his right foot were protruding, and all the bones were sticking out! I took my children to the most famous Hangzhou Children's Hospital in Zhejiang! A 50-year-old expert hung up at that time. The old expert looked at the child and touched it on the child's leg, saying that there was nothing wrong with the ring lock belt! Go home and raise it, there won't be! We'll go back! Six months later, the child's right foot suddenly broke, and the child kept crying, tearing his heart out! We took the children to Hangzhou Children's Hospital again. At this time, another doctor asked them to have a CT scan. The child has a rare disease called "pseudarthrosis of tibia", which is said to be one in a million. This is a world problem, and the chance of cure is very slim! Then I felt the feeling that the sky was falling! As a man, I thought to myself at that time, I must take good care of my children anyway! In this way, I embarked on a difficult road to seek medical treatment!

The child has been crying, and the fracture is there! Hangzhou Children's Hospital decided to operate on his son after consultation, and the success rate of the operation was very low, 20%. What should I do? This is the first choice. My son can't stand so much suffering. After consulting with my family, I had my first operation! The operation took a long time, up to 7 hours, and we waited anxiously outside! Time seems to have stopped there, and I will never forget this day! People are not hungry, not a drop of water a day, and finally wait until their son comes out! The doctor replied: "The success of the operation depends on whether the bone itself will heal!" "After the operation, I will check it again once a week. Our home is 200 kilometers away from Hangzhou. I was afraid that it was too late to take the train, and it was almost dawn. At 4 o'clock, take a black car to the hospital to take pictures and see a doctor. It lasted for two months and then once a month. Later, I said the operation failed! Bones are not long!

After a while, the doctor of Hangzhou Children's Hospital called again, saying that the chances of success would be even greater with reference to foreign experience. It seems that my son has been given another chance and agreed to the operation! The operation is as long as the original, but I have to wait and review, or I have experienced some hardships! Still declared a failure, my son's leg is still broken, or hanging there! At this moment, the doctor said to us, "As far as my son is concerned, his leg has been amputated abroad for a long time!"! Don't look, say you can't look! "

These are the doctor's exact words! We still don't want to let the children go on like this! We decided to go to Shanghai instead of Hangzhou! Go to Beijing if you can't see Shanghai!

After a while, I came to Shanghai with my son. I checked online and found that the orthopedics department of Shanghai Sixth Hospital is quite good! I went to the Sixth Hospital and met the best expert, so I won't say the name of the expert! The doctor repeated what Hangzhou told us, saying that surgery was possible, and the chance of surgery was only 50%. After the first two failures, we still seriously consider it! I'm afraid I won't succeed, and the child's legs are getting shorter and shorter! Decided not to move, find another good doctor! At this time, the internet is developed, and information can be obtained at home!

After a while, I found a group of tibial pseudojoints. Through understanding, it is a group of patients who have the same problems as my children! Many cured patients were found in this group. It turned out that all of them were valued by Hunan Children's Hospital. There is a good doctor who came back from abroad and specializes in treating this disease. Finally, he found hope in Hunan, where he passed several operations and finally succeeded. He ran back and forth to Hunan for five years! June this year is the last time to bid farewell to Hunan!

Finally, with my unremitting efforts, I spent a whole 15 years, spent all my savings, paid off my debts, and gave my child a healthy body! See here some debt how to return a responsibility! Sunshine is always after the storm!

I feel that many people are heavily in debt and many people have no money. That's true. Although this is a simple question, the answer is worth pondering. ...

As can be seen from this table, in 20 19 years, the overdue credit card was 80 billion yuan for half a year, which increased by nearly 10 times in ten years, and the data is amazing. According to public data, in the past ten years, the number of credit card issuance in China has increased from 65.438+86 billion to 970 million, with a year-on-year increase of 22.8% in 2065.438+08, and the total credit card transaction has increased from 3.5 trillion yuan to 38.2 trillion yuan, an increase of more than 654.38+00 times.

HSBC conducted a survey on China's young post-90s generation. The survey results show that the average monthly income of the post-90s generation is about 6,000 yuan, but its average debt is as high as 1.2 million, which is 1.8 times of income. Post-90s debt ratio 1850%. In other words, more than half of the post-90s generation are insolvent every month!

According to the survey data, nearly 47.2% of post-90s loan borrowers have been overdue, and the overdue times have exceeded 10, accounting for 4%. Among them, more than 64% of post-90s borrowers borrowed from more than four platforms, and 9.6% borrowed from more than 20 platforms. In addition to paying off the mortgage and car loan, 29.6% of the post-90s loans are due to paying off other debts.

The debt of the average family in China is not low. According to the relevant data of the third quarter financial report of the central bank, by the end of the third quarter of 20 18, the total amount of various loans in China was 133 trillion, of which the balance of loans in the household sector reached 46.2 1 trillion. On the above basis, it is estimated that the actual overall debt of China residents is at least 75 trillion yuan. The data shows that the household debt ratio in China is 53%, and household debt accounts for 1.20% of disposable income, which is 20 percentage points higher than that in the United States.

Look, this set of data is still increasing. How is this caused?

The main reasons are as follows:

Poisoned by the early consumption consciousness of the United States, the West and other countries, early consumption is simply to use future money to pay for the current expenses of eating, drinking and having fun.

The evil consequences of early consumption in the United States: early consumption in the United States has made the subprime mortgage crisis in the United States serious, causing economic lag, weakening consumption, and accelerating inflation and economic crisis.

Advanced consumption makes people covet pleasure and luxury and becomes a hotbed of corruption; People are like addicts, addicted to ecstasy and unable to quit; Once you get addicted to consumption in advance, you will be unrestrained and difficult to give up.

I believe that everyone who has studied again has had the experience of playing cards. Those who used to have a job and some qualifications will receive a notice from the bank and an invitation from the bank manager to apply for a card.

Why did the bank do this? Because the credit of the CIRC has been tightened, banks have to increase the number of cards issued in order to obtain more profits, so that some people with insufficient qualifications can pass smoothly. Relevant data show that by 20 19, the number of credit cards issued in China will be 970 million, and the average person in China will hold 0.5 credit cards.

If you pay attention, you will find that there are more and more installment products recommended by banks, such as credit card installment, cash installment and loan installment. It is very attractive to young people. Spending by credit card is like the rain in Mao Mao, and you will regret it afterwards.

After 90s, they distorted their consumption concept in advance, lost themselves, kept up with the joneses, bought luxury goods, lived in luxury houses, drove luxury cars and customized luxury trips in order to express themselves. I think that using well, wearing well, eating well and living well are the ideal living conditions to satisfy my vanity, and the distorted psychology leads to a morbid consumption.

The temptation of bank merchants' installment business and commodity discount; Immediately, the double eleven came again. The website merchants laid out early, made discounts early, and attracted publicity. How many people became hands-chopping people? Every time I buy it, I regret calling it chop hands. The wealth of young people is very low now.

Young people often brush their cards regardless of the consequences. They see good things, all of which are bought by buy buy. Finally, he became a house slave, a car slave and a card slave, and was overwhelmed by three mountains.

For example, buy mobile phones and computers by stages, and get a credit card if you have no money. After the credit card is completed, your self-control will be reduced, resulting in no savings in buying clothes, shoes and consumer goods. If you don't return your credit card, you will go to the online loan. A series of actions will eventually have a bad consequence: you will be burdened with heavy debts. It has brought a bad influence on yourself and your family, making yourself and your parents miserable.

Due to the impact of the world economic downturn and the impact of the network economy on the traditional economy, many factories have laid off workers and closed down, so laid-off people are unable to repay various loans such as car loans and mortgages, thus shouldering heavy debts; There are also some people who blindly start a business or fail to start a business, and they are also heavily in debt.

Mortgage is also the main reason for household debt. House has always been a hot spot for speculators and investors. China's high housing prices have led many people to blindly follow suit and take out loans to buy houses. Mortgage accounts for a high proportion of all major loans.

Various micro-loans, P2P network loans and loan software abound. As long as you turn on your mobile phone, you will encounter publicity.

Most people can't help but borrow money from these high-interest websites because they can't pay their bank debts. The consequence is not only that the previous account is not paid back, but also that the latter is tired, which is even worse. Finally, the debt is high.

What should we do under such high debt pressure?

First of all, the state has strengthened supervision, severely cracked down on illegal micro-loans and online loans, and purified the loan team. Introduce various policies to implement supervision.

Major banks have also implemented credit card control measures to strengthen the issuance and use of credit cards.

Therefore, as a debtor, what we need to do is: put a positive attitude and make a good repayment plan; Quit drug addiction, don't blindly invest in consumption, and control consumption; Reduce the number of credit cards or cut them off, and reduce the use of credit cards; Negotiate repayment with banks and borrowers according to the arrears, and so on.

Generally speaking, this situation is caused by many reasons. Such a large debt can only be contained and digested through the control of the state and the efforts of the whole society. Many people who are heavily in debt and have no money should start from themselves, make efforts to make money, make detailed debt repayment plans, and get rid of debts as soon as possible.

Although there were people who were heavily in debt in the past, they were obviously not as many as they are now. There are so many people in debt at present, which are caused by various reasons.

With the increase of credit card popularity and the rise of internet finance, there is no threshold for credit consumption, and banks still have some audit on the issuance of credit cards; However, many products consumed by the Internet directly use an ID card and a mobile phone number to give a quota. The huge credit line urges many people to spend blindly in advance, and finally they can't afford it, forming a vicious circle of robbing Peter to pay Paul.

If it is not the rich second generation and relocated households, many people often have to empty all their savings when buying a house in the city, which is only a down payment. Subsequent loans such as mortgage, decoration loan, parking space loan and car loan can make a family bear the pressure of moonlight debt for decades.

If personal income can keep up with the price increase, it may not be heavily in debt, but in reality, wages do not rise or even fall for several years, or the increase is far below the price increase level, which eventually leads to an increase in expenditure, but the income remains the same, so the gap is getting bigger and bigger, and finally becomes a loan to maintain life.

Debt-ridden factors are caused by many factors, of course, the most fundamental reason lies in itself. If there is enough self-control and reasonable planning, it will not be a situation of high debts in theory; The second reason lies in the convenience of borrowing. Before the rise of internet finance, borrowing was generally only through the channels of banks, so it was relatively difficult to borrow. However, the rise of the Internet has made lending a non-threshold behavior. Therefore, without self-control, blind and impulsive consumption will increase and eventually get into debt.

How many kinds of people are in debt! One is gambling, the other is smoking. In addition, heavy debt means spending in advance! At that time, I vigorously promoted early consumption, saying that the old American lady said that although I died, I would live in a new house all my life. When she died, the old lady in China also said that although she died, I finally moved into a new house! The collision of two consumption concepts. We in China also benefit from spending in advance. So borrow money to buy a house, borrow money to buy a car, return mobile phones, computers, high-end clothes and so on. Don't pay for a sentence, accept it first. As a result, the word debt appeared, and as a result, a large group of people were in debt! It's fashionable to spend tomorrow's money and enjoy today! Look, with a mobile phone brush, smart! Take the card to spend, style! Wait until the bank makes a dunning, so hurry! Alas! The salary is too small! The burden is too heavy. There are constant complaints and sighs! I don't know if my parents' pension money is gone! In rural areas, people who live in new houses are young people, and their parents live in party houses! In the city, parents live in old houses and buy new houses for their children! And put pension money on it! Alas! What is the reason? Who are you asking? I also want to ask you! ! !