Raise the specified number temporarily, avoid privilege of breath, interest rate in installment... just go " double 11 " , credit becomes financial orgnaization to send the important battlefield of force in installment. The expert expresses, consumer credit is helpful for releasing China to consume potential, but also expert criticism says, the youth that this may bring about blame reason is indebted and overmuch, overdraw prospective life quality.
The true and indebted circumstance of Chinese youth after all how? On November 13, nielsen releases data analysis orgnaization " Chinese youth is indebted the state reports " . As we have learned, this report is based on Nielsen market to study the company came in September 2019 the online visit of 3036 China young customer reached in October, do one's best is reductive a condition of true consumption of Chinese youth credit and behavior means.
" report " show, in Chinese youth, the permeability of total credit product already was achieved 86.6% . Visit link in survey nevertheless, the youth of 43.3% expresses clearly, "Use credit product is a kind of more prudent spending pattern " .
Current, the youth obtains the channel of loan to basically have 3 kinds: It is a commercial bank, extend credit card and consumptive loan provide credit service to the youth; 2 it is firm of banking of the consumption that hold a card; 3 it is to rely on at electric business platform, shop in installment platform, network is small the Internet that borrows platform consumes financial firm, if spend, in installment happy, delightful borrow etc.
" report " express, the proportion that takes lunar income through needing reimbursement amount every months can be calculated, average debt income compares Chinese youth (be in debt namely rate) for 41.75% , among them the youth of 13.4% 0 indebted. If deduct consumer credit to regard as " pay a tool " part, so substantial debt income of the youth is than will falling 12.52% ; Compare in the substantial debt income of school undergraduate lower, have 7.5% only.
Survey returns discovery, internet in installment consumer goods utilization rate is as high as 60.9% (credit card is 45.5% ) . Those who deserve attention is, the use person of 62% can consume Internet in installment use at basic life, and rather than is gone after " bogus is delicate " .
Nielsen consumer has an insight into why does when Xin unscrambles a report, research chief inspector say, although the permeability of total credit product is adjacent 90% , but the person that has close in part among them is regard credit product as those who pay a tool to use (if credit card is in,avoid the settle inside breath) deduct after serving as the share that pays a tool, indebted crowd takes Chinese youth substance about 44.5% of integral youth.
The report shows, the youth that has 23.5% is careful to credit product manner, just use in the moment of truth normally, especially student, the scale that uses carefully exceeds 40% , report gives a youth in installment behavior is relatively rational.
From the point of survey result, great majority youth was in debt to procrastinate break down. Survey discovers, the youth of 32% expresses to have specific saving plan, and the growth as the age and experience, add deposit scale newly every months to also have apparent promotion, 6 mix into the student the nearly 8 income that can put below 10% above every months into office worker.
Supervise the manufacture of: Tu Loufang
