Go age end, coulee of week of the president before the Central Bank points out when Qian Tangjiang forum speaks: "Chinese savings ratio had fallen now several percent, the buildup that this makes clear to need inside us, but also should notice at the same time, have the aid of science and technology of Yu Xinjin be in harmony, make consumer credit development very rapid, having a few even is beyond the mark and revulsive young generation shifts to an earlier date consumption, leasehold consumption, this may bring main effect " .
From this, the youth is leasehold on problem float of consumption surface. This heat topic continues to this year, each great mind comes out in succession with bitter hatred, be filled with indignation, had had bit of exaggerate sth just to scare people.
90 hind do not invest?
Somebody puts forward " 70 hind put money, 80 hind investment, 90 hind indebted " , really such? Not likely.
In fact, 90 junior 45 years of the field that enter office, relevant report often appears in the caption of stock market news -- it is mostly " 90 epigenesis open householder force newly for the stock market " Yun Yun. The closest message comes from Feburary 27 " Shenzhen business signs up for " , or " open householder force newly " problem.
90 hind investment, and early public figure of negotiable securities group undertook study to their investment behavior. Because 90 hind the expression in the stock market and elder people " no matter the ox is ursine, strictly observe position " different, it is migrant type behavior -- will still can fly away. And the operation of type of this kind of migrant, quite because capital is borrowed,one part reason is.
Accordingly, "70 hind put money, 80 hind investment, 90 hind indebted " it is the expression that acting border distains catenary, be not the true state of affairs.
70 hind, 80 hind buy a house not leasehold, rely on to put money completely? Apparent impossible, before our house price, who says to cummer " we an arduous labor, put money to buy a house, do not work for the bank stoutly " , who should be cheated namely marriage. Wage income grows photograph of ascendant speed of speed and house price to compare, it is chelonian hare race, and do not count on that bunny meeting catnap. 70 hind, 80 hind should examine his conscience, true not leasehold?
And 90 hind indebted, be inferior to reporting a character, it is to be used on consumption, doing a the migrant of the stock market, Fu Dou that fills a room to borrow is very common. Had contacted so-called consumption to borrow, credit borrows know, the regulation that is restricted to consume only on name, be in charge of far from actually.
Acting border distains catenary be all-pervasive, the result is self-contradictory however. Still was in yesterday justice condemn of in stern words " Buddha is a youth " drift along, can worry about today " Buddha " people debt is high consumed. "Buddha " be become hard, clear heart few is about to want to endure batch, thick also get a scolding from support sb. How to do?
Good life of the Chinese, should from childhood the old age in jumping directly just goes -- young, is it possible that be original sin?
90 hind very " fosse " ?
Want to be analysed from strong data level really, can discover a lot of problems. About 90 hind the article of indebted consumption is very much, but the data that cites extensively centers in quadruplet:
The first group: Data of statistic of Chinese people bank shows, half an year of credit card exceed the time limit not countervail credit total from 7.689 billion yuan by 2010 since chase Ji Pansheng, to end of the 3rd quarter had achieved eighty-eight billion and ninety-eight million yuan 2018. But which brunt that can you prove exceed the time limit is not returned is 90 hind?
Company of silver-colored couplet data has done technically " characteristic of behavior of spending of the crowd after 85/90 is analysed " , can check on the net. Have among them " the understanding error that consumes an idea to new generation: The beautiful in that way Qian Hao in resembling imagining after 85/90 is put " , crowd of clear and high frequency consumption is in explain each age paragraph in occupy wait for a series of facts than stability.
Credit card exceed the time limit does not change leap to have more logical explanation, the time in people bank statistic paragraph inside, bank hairpin measures increase sharply 3 times breakthrough 600 million, credit dilate is swift and violent the pressure of overlay economy be issued to lower levels, china " card a group of things with common features " it is inevitable that credit drops. This big " boiler " , 90 hind the back does not rise.
The 2nd group of data come from Alibaba: China is close 170 million 90 hind in, (sic, according to newest census data, 90 hind group strength exceeds 180 million) , exceeded 45 million to open business of the consumer credit on the net, there is a net on average to borrow an user in every 4 people.
This data explains 90 hind more active on network finance, this is understandable, they are sterling network generation. But, these youths' active leasehold platform is an odd of Chinese dweller total debt only.
Since 2017, chinese dweller total debt 45 trillion the left and right sides, main creditor is the financial deposit orgnaization such as the bank, about 40 trillion yuan. It is accumulation fund loan next about 4.5 trillion, other orgnaization altogether has 2 trillion creditor's rights only. That is to say, even if calculates these financial debt to 90 later generations entirely all, also be less than average per capita 10 thousand yuan, in be apart from an imagination " high spending " differ very far.
The 3rd group of data are according to finance 360 issuance consumption investigate data, 90 hind on leasehold market occupy than be as high as 49.31% , the platoon in age person is the same as in the Asia the first. And the person that this has 28.57% among them uses consumptive loan, it is to repay other loan.
360 finance are leasehold the age of the market distributings and the data in A agrees basically. "The Asia is discharged in age person together the first " and " the person of 28.57% uses consumptive loan, it is to repay other loan " have quite inspire, can combine quadruplet data to undertake an analysis.
Of room debt drive " debt catenary "
Have truly " secret " data is quadruplet: Hong Kong collects data of abundant bank statistic, the liabilities of 90 average per capita after are 18.5 times of lunar income, of the job 90 hind be in debt on average 120 thousand yuan.
Alleged secret is to point to, this is group " plum ghost " data. Actually Hong Kong collects abundant bank to do not have such report, "Liabilities of average per capita is lunar income 18.5 times " out a findings report with grand safe 2016 benefit, limits is to suffer 500 set of doorsill of the person that visit is very complex to suffer the person that visit, and be not be aimed at technically 90 hind.
Provenance of this group of data has a problem greatly, be cited in great quantities however, is the delicate state of mind that reacts among them very worth while thoughtful -- why media is fond of so bury discard 90 hind? What is what deserve attention truly " lift debt high spending " , however 90 hind begin to enter estate market in a large-scale, their be in debt to increasing quickly.
Recently, conch academy was released " the person that the whole nation bought a house 2018 findings report " , data shows, average age is the person that bought a house 2018 29.5 years old. The 21-30 in the person that bought a house 2018 year old the age paragraph person occupied 38.5% , 90 hind had become the main force that buy a house, outclass 80 28.2% after. And, occupy than buying room number of 16.6% 70 hind buy house-owner to want to depend on asset displacement, and income and accumulate excel 80 hind, 90 hind, "Room debt " pressure wants small many.
And of Chinese dweller branch always be in debt to be about 45 trillion the left and right sides, among them housing loan is occupied than be in 55% (contain accumulation fund to borrow money) , about 25 trillion yuan. The fact is very clear, 90 hind joining quickly 25 trillion " room debt " main forces.
2015-2018 year, in room city " Xin Jin " usurer exceeds 200 million. According to the scale estimation 2018, among them 90 hind the person that buy a house should be in 70 million the left and right sides. These 90 hind " Fang Nu " the liability that bears about a hundred 10 thousand class, pull tall the debt of 90 average per capita after are none strange.
And, because house price rises with the reason that still borrows way, the room is borrowed in borrow newly occupy than outclass secondhand goods, 90 hind Xin Jin " Fang Nu " room debt guards estimation to also want to be in 8 trillion the left and right sides -- calculate according to average per capita, 90 hind debt of average per capita of the person that buy a house 100 much, not unusual.
From this, 90 hind " debt high spending " the truth is clear also. "The Asia is the same as age person the first " , frequent short borrow the ground to tear open east the wall fills the wall can explain so that connect on the west -- the age of the person that China buys a house is belonged to inside global limits young, does Huang talk an Asia?
And the 90 income levels after, fortune accumulates ability to begin to start, buy a room to lay mortgaged heavy burden under, avoid to tear open hard east the wall fills on the west the corner of the wall. Borrow with room of a huge sum oppressive formed chain of a debt, chaining quickly 90 hind.
Drive in what room of a huge sum borrows below, 90 hind must use a network finance, small the financial measure such as consumptive loan, will maintain flimsy individual finance affairs. Substantially with 70 hind, 80 hind without distinction, just " uncle " " eldest brother " people " want in those days " , the financial channel that did not develop so stopped.
But, east should the memory that collect borrows on the west still be in?
Do not let acting border distain catenary to hide the fact
Acting border distains the social phenomenon that catenary is human applicable to both or all, this Japan just " make the same score " change " make and " , already Japanese netizen is basked in piece " make and trash " -- although " make the same score trash " the words are still ringing in one's ears, although " make and generation " had not been born, but first by " trash " .
Of Japan distaining catenary keyword is " trash " , and be in China is " consume " . The consumptive habit of acting border, preference differs originally, cross the close life of live frugally or animated memory what is more,the rather that. Consumption, in Chinese society it is a very sensitive issue.
Actually, 70 hind begin to be stuck " singleton female defeat the home " label, 80 hind the voice that is said to get not worth a penny more not far go, and change of the 90 after consumption habits of network times, lifestyle is bigger, also do not escape to cross this to close apparently. 90 hind the network finance of be accustomed to sth, network shops and corresponding new idea, in " one's elders person " belong to originally in memory doubtful, always consume with actuation sex, show off a gender to consume connection to be together -- but this was exaggerated apparently.
90 hind with the network finance, small those who consume loan " small defeat the home " the possibility is real, but the body of these financial channel measures the system capacity in Chinese dweller total debt to be able to calculate an odd only at most, where can you defeat to go? The credit total dish that is not bank orgnaization also 2, 3 trillion, how be defeated to also do not defeat 120 thousand yuan to be in debt to average per capita? This is not a few are carried in 170 million person " highest grade " can explain.
If see those criticism carefully 90 hind the article of debt high spending, the instance that can discover an alternative has apparent tendentiousness. Some mad consumption had belonged to psychological disease category, another some is " cover a road to borrow " leasehold trap do mischief, belong to extreme case, cannot reflect the general condition of this 170 million person.
Additionally a few belong to the case of high spending truly, also consume with respect to the extravagant sex of 10 thousand yuan of level, rely on defray this a little bit to want to reach the giant group of 170 million " average per capita is indebted 120 thousand yuan of above " volume level, solid belong to an incredible story. And bring about truly 90 hind the reason that a huge sum cites debt, it is several acting people of Chinese are the the commonnest, commonnest buy a house.
Old leek did not sympathize with new leek to also stop, place even " should teach you a lesson namely " stepmother face, very comical -- eventually daughter-in-law boils a mother-in-law, had oppressive the influence of next generation, cannot help wanting to be shown off. Contemporary border is distained oppressing into melt into acting border, the truth always is by baleful critical misrepresentation.
Not be to say 90 hind " Buddha is fastened " , did not buy room intention? The data that room city comes out with caboodle of true gold silver is shown be not such, the truth is 90 hind bearing enormous pressure sprint to enter the arena.
Be to say 90 hind buy a room to gnaw old? Real data is this youth giving a paid desire oneself is 4 into, 9 be returned into him choice or still borrow together with the sweetheart, be less than the person of 1% to be willing to make parents alone still be borrowed only.
To this huge crowd of 180 million, "Uncle " " eldest brother " people the experience when recollecting him body to be in acting border to disdain catenary root please and mood, want to eat an ice cream more in those days by supercilious look, plane of the sport that buy a station by with bitter hatred, are you subdued? Just middleaged, become oneself veteran cadre?
Altogether, let off please 90 hind. They are not the objects that traffic angst, this youth already very angst.
Toward period review
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