A few days ago, the Central Bank releases " consumer banking accomplishment investigated brief report 2019 " cause social attention. Somebody thinks, defer consumes a preference to drop, credit card not countervail credit jumps, mean a Chinese not to love to put money, money love a flower.
(original title: Didn't the Chinese love to put money? Report: The youth puts 1339 yuan every months on average)
On August 16, consumer enjoys site of night fair collection happily to lift a cup of happy get-together in art of north of Chongqing city change. Wang Quanchao of reporter of Xinhua News Agency is photographed
"Money is spent today today, will the matter tomorrow say again tomorrow? " to this kind of view, major Chinese (79.03%) is deprecatory, but compare with the photograph two years ago, defer consumes a preference to drop somewhat. A few days ago, the Central Bank releases " consumer banking accomplishment investigated brief report 2019 " cause social attention. Of likewise fetching attention still have another group of data: Credit card of hold of Chinese average per capita and leasehold syncretic card grew nearly two to become last year; This year first quarter, half an year of credit card exceed the time limit not countervail credit total amounts to seventy-nine billion seven hundred and forty-three million yuan, it is nearly 10 times 9 years ago.
Somebody thinks, defer consumes a preference to drop, credit card not countervail credit jumps, mean a Chinese not to love to put money, money love a flower.
The expert expresses, do not answer to make this summary simply. As comparative as other country, chinese savings ratio still ranks front row. The home in the change specification of people deposit manner needs model economic system is in work up. Nevertheless, a few people especially young group should come true from credit card " card slave " to " card advocate " change, avoid excessive spending, establish true viewpoint of value and consumptive outlook.
Policy safeguard is sufficient, youth state of mind is good, natural dare " buy buy "
"Money won't be put when be being confiscated, money also was not put painstakingly after having income. " Lou Yun of 24 years old has worked two years, she meets every month to put wage in paying treasure. Still be over go up month of this returned money, she can buy the fund that leave fixed conduct financial transactions or fund are cast surely. Look in her, want to allow cash increase, can earn a few more only, is not to be put more a few.
Nowadays, the person that supports similar idea with Lou Yun is in grow in quantity. Chinese people bank released a few days ago " consumer banking accomplishment investigated brief report 2019 " show, when the manner of cost of the offset that be asked about and deposit, although major person (79.03%) to " money is spent today today, the matter tomorrow will say again tomorrow " hold " not quite agree " or " completely different idea " viewpoint, but with compared 2017, the preference that consumer consumes to defer drops somewhat, the choice on whole " not quite agree " or " completely different idea " scale reduced 0.37 percent.
Defer consumption, it is the partial property memory oneself rises, arrange next in future many time place undertakes consumptive. Defer consumes a preference to drop, mean one part person to put money no longer, spend money immediately however. Relevant statistic also shows, 37.3%(2008 ever was achieved when height of Chinese dweller savings ratio year) , glide somewhat in recent years.
Visit this kind of appearance how? Fasten analysis of professor Yang Jun to say via commerce of institute of trade of classics of trade university international external, will tell commonly, the cause that causes defer consumption basically has two: It is to answer to be mixed to prospective defray all sorts of uncertainty, 2 it is to get taller banking income. Current, chinese Neozoic consumer makes labor market principal part gradually, stress individual and current life quality more. In the meantime, rise as standard of living, social security system is perfect, decrease duty to fall cost policy bonus is released ceaselessly, the uncertainty such as prospective obtain employment, education and healthy medical treatment is reduced, people whole consumes ability promotion. In addition, the rapid development of modern banking makes individual and family are obtained more easily short-term in mixing long-term financing, in order to answer all sorts of right urgent need defray, and cost drops apparently.
Simple for, nowadays consumer especially young generation state of mind is very good, self-confident, natural dare " buy buy buy " . Data shows, this year first half of the year, total volume of retail sales of Chinese society consumable amounts to 19.5 trillion yuan, grow 8.4% compared to the same period. Among them, the youth is becoming consumptive main force. Ant gold is taken and Fu Daguo border releases " findings report of foreground of 2018 China provide for the aged " show, 18, the lunar deposit of 34 years old of youths is 1339 yuan on average.
The Liu Ye that in Beijing some college reads puts money from elementary school, also like to spend money. She says, putting money is for lash-up on one hand, it is to satisfy a few caution to wish on the other hand, buy for instance a few hate to part with bought thing to reward his at ordinary times. Nevertheless, when buying product of a few high price, although capable to pay directly, she also can choose to do instalment with product of Internet consumer credit, this is becoming fashion between young philtrum. "Consume easy impulse, want to had controlled oneself. " Liu Ye set red line of a consumption for this -- cannot exceed 4000 yuan every months, because " owe money too much meeting has pressure " .
"' 95 hind ' and ' 00 hind ' grow Yu Fuyu times and mobile Internet times, become consumptive main force gradually when them, defer consumes a preference to drop accord with logic. " Wang Jun of committee member of committee of learning of center of communication of China International economy expresses, be brought up as more child, this one phenomenon will be farther henceforth grow in quantity.
What need points out is, house price rises for years, the rigid expenses such as dweller improvement living condition, provide for the aged and medical treatment increases, also be in recent years defer consumes a preference to drop, the main reason that dweller savings ratio reduces. Wang Jun thinks, defer consumes a preference to drop to reduce the two sides that is a coin with savings ratio, because pursue good life,bring about immediate consumption necessarily dynamical promotion, savings ratio is reduced.
He points out at the same time, no matter be compared with developed country or developing country photograph, dweller savings ratio of China is located in world front row continuously, did not appear bluff type drops. Of course, as a result of system of Chinese social security perfect degree, money market perfects equality of degree and dweller income water and developed country to still put difference, especially the change that dweller consumption is used to still needs to experience longer period, doing good risk to be on guard to adjust preparation with relevant policy still is very necessary.
Coulee of week of the president before Chinese people bank thinks, savings ratio drops have certain profit, make clear inside need to increase, but also need attention to lie between the savings ratio change between era. In financial science and technology development setting falls, consumer credit development is rapidder, can revulsive young generation shifts to an earlier date consumption, leasehold consumption, "This is phenomenon of a kind of economy, finance not only, also be phenomenon of a kind of culture, population at the same time, may bring main effect " .
"Spend the money tomorrow, buy today's thing " can you make consumptive pit?
In numerous consumption form, brush credit card to perhaps be used pay treasure " flower " wait for product of Internet consumer credit undertake phenomenon of consumption, leasehold consumption is worth to pay close attention to shifting to an earlier date. This kind " spend the money tomorrow, buy today's thing " consumptive form, very general in a few youths.
In Beijing some college reads the Master's Ren Huan, was determined to put out product of an Internet consumer credit eventually recently. Original, in this product revulsive below, 45 thousand yuan are spent when his month is most. He says: "It always promotes line of credit to me, and when pay acquiesce uses this product, let me often incontinent consumption, like spending money to resemble running water. Like spending money to resemble running water..
Product of consumer credit of credit card, Internet is increasing, bring about not countervail credit number increases considerably, push tall financial venture. The Central Bank releases " 2019 pay a system to run overall condition first quarter " show, up to this year first quarter end, half an year of credit card exceed the time limit not countervail credit total seventy-nine billion seven hundred and forty-three million yuan. And before 9 years 2010, this number still is 8.804 billion yuan only. Occupy statistic additionally, nearly 170 million " 90 hind " in, enlightened " flower " the number exceeds 45 million. Credit card " card slave " " beautiful slave " the phenomenon begins to appear.
Wang Jun thinks, growth of high speed of quantity of hairpin of commercial bank credit card and financial science and technology develop quickly, also bring about the credit card, credence that is based on Internet at the same time kind finance of product, consumption kind loan, cash is borrowed wait for credit kind consumptive loan bull in all debt and relevant risk rise quickly, cause credit card exceed the time limit not countervail number increases. Fall in the macroscopical setting that in recent years pressure of economic be issued to lower levels increases especially, partial credit card holds calorie of client individual financial standing change is bigger, and partial commercial bank is excessive pursuit business interest, fail to master these change in time, cause pertinent question and risk relatively outstanding.
The undeserved sale means of a few businessmen also is in add fuel to the fire. Some advertisement will be consumption and identity, estate, grade, intelligence quotient, love, close the connection such as affection rises, revulsive people is excessive consumption.
Normal for, reasonable lead consumption is helpful for changing traditional elder member of family to accumulate the phenomenon with capital and fortune, reap without sowing descendants, still can enlarge market demand effectively, stimulative economy grows. However, unreasonable lead consumption may move toward the opposite, to the individual, increase economic pressure, influence mental health, life is stable; To country and society, can cause generation to provide the wind of ruinous hedonism and highbrow wasteful culture extremely, create a society " credit crisis " , increase the possibility that produces economic crisis. The century on the United States the great depression of 30 time, 2007, 2008 " second borrow the crisis " , it is lessons drawn from others' mistakes.
So, can be pattern of spending of this kind of lead become in China " consumptive trap " ? Many expert and suffer the person that visit to think, be on guard the key of the risk depends on fostering the consumption with people good, healthy nurturance to be used to.
"Did not come 10 years, our country dweller not gross of countervail credit number can grow somewhat, but can maintain inside a reasonable range. " Yang Jun thinks, because overall knowledge level is in young group,this is promotion, obtain more the ability of good-paying is increasing; At the same time the method of risk of financial department control also is met more advanced.
Look in Ren Huan, marry the doorsill that can become him to whether put money. He says, money is being put after marrying is not pure to enjoy model consumption, stem from the expenditure such as domestic life disease, provide for the aged to consider however. "This reflected the continuance of the domestic standard culture of Chinese tradition, it is tenacity of a kind of culture rear. It is tenacity of a kind of culture rear..
Balance the relation of good deposit and consumption from complete lifecycle angle
Drive consumption to accelerate to green transition, the country develops innovation appoint before waiting for 10 branches 3 years, ever released " the directive opinion that consumes about promoting green " . The opinion puts forward, determined boycott lives the unhealthy tendency such as enjoyment of extravagant, covet, do away with energetically go in for pomp, than extravagant etc abusive, boycott excessive spending, change " oneself draw out money, Feng Jian by me " wrong idea, form " managing glory, waste is disgraceful " social atmosphere. The opinion is returned waited for a respect to advance concrete step from support of system of legal laws and regulations, standard, label attestation system, economic policy, finance.
Nowadays, more youth had understanding consciousness in balance deposit and consumptive side. "I can decide defray according to steady income. " watch to prospective consumption, liu Ye replies very certainly. She says, the affirmation after the job can put money, do not put money to do not have safe feeling, because the Chinese often says, "Money arrives square hate is little when using " .
Nevertheless, serve as finance more and more hands-down, the financial accomplishment that promotes people already appeared no time to delay. The Central Bank releases " consumer banking accomplishment investigated brief report 2019 " proposal, should pay close attention to the obtain employment of low income, low record of formal schooling, blame, finance that often waits for a group less accomplishment state, character of body of knot be gregarious begins appropriate finance to teach an activity, emphasize the financial knowledge that promotes consumer and skill, improve the financial act of consumer. In the meantime, answer the challenge that counts word technology to bring actively. To partial consumer character, the aftereffect of sluggish of promotion respect existence that digital technology is promoting financial accomplishment, the banking that should develop more and digital age and photograph of population structure change to suit teachs a tool.
"Good finance accomplishment and the nurturance need that consume an idea teach proceed with from the school, grab from baby, this ought to be the primary quality that each citizen should have. " Wang Jun thinks, should guide a dweller to establish the consumptive outlook that can last, keep expenditures within the limits of income, moderate consumption, the good from arrangement of complete lifecycle angle, relation that balances good deposit and consumption.
Yang Jun thinks, to the individual character, still need to propose economizing consumptive concept, reasonable arrangement all sorts of spending expenses. In larger amount leasehold go up, need balances prospective income and current and leasehold relation, let current and leasehold amount control as far as possible in future reasonable income anticipates current fold present worth less than. The government should advance financial knowledge to bring into a countryman to teach a system, the finance that raises a countryman invests accomplishment; In the meantime, perfect finance superintends a system, stimulative finance department runs efficiency promotion, control social banking venture.
(Should cover object demand, the Zhang Fei that the article alludes, Xu Lang, Lou Yun, Liu Ye, Ren Huan all is alias. The Zhang Fei that the article alludes, Xu Lang, Lou Yun, Liu Ye, Ren Huan all is alias..
Consumer says
"Had income to be able to put money for certain "
Student of Zhang Fei college female 23 years old
I put no less than money at present, because do not have extra income; But also won't consume ahead of schedule, even if with pay treasure " flower " borrow money or do instalment, also want to assure instantly to still can go up.
Had income later, I can put money for certain. Specific how much to put to had not thought, but affirmative won't extravagant spends money. For instance a month earns 20 thousand yuan, cast necessary expenditure, I should put 10 thousand yuan at least.
What to put money to do? It is to buy a house of course, buy a car, or lash-up. I feel to retain a money is safe feeling very big source, mean stronger risk to answer to choose with more future to ability, anyway I am dare not become " moon a group of things with common features " .
"Spending is stronger than putting money "
Xu Lang graduates one year not to have course of study male 26 years old
I do not earn money now, also do not have a law to put money. Earned money later, at the beginning should also won't put money, estimation is not quite beautiful, but if have the rest,the flower is over, is money put not automatically came down?
I feel consumption is very significant still. Like consumption for his interest, stronger than putting money. What to put money to do? This I had not thought, putting first.
