Raise the specified number temporarily, avoid in installment breath... double this year 11, consume in installment shine brilliantly. Look macroscopically, consumer credit is great to releasing China to consume potential meaning, but also hear somebody to criticize -- the youth is indebted and overmuch, go after why " bogus is delicate " etc. So, the true and indebted state of Chinese youth after all how?
On November 13, domestic head portion is panoramic the report of current situation of consumer credit of the youth after presenting Chinese 90/95 -- " Chinese consumption youth is indebted the state reports " (the following abbreviation " report " ) release. 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.
The youth of about 45% has " materiality is indebted "
The effect that spending increases to Chinese economy is mainer and mainer. Current, 24% what total population occupies about after Chinese 90/00, they did not come to dominant 5-10 year China and even global spending pattern. Chinese youth is having the demand of growing development generally, having the desire that pursues character life, credit consumption has made the important way that consumption upgrades. " report " show, in Chinese youth, the permeability of total credit product already was achieved 86.6% .
Nielsen consumer has an insight into why does when Xin unscrambles a report, research chief inspector say, although data is adjacent 90% , but the person that has close in part among them is regard credit product as 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.
In avoid the reimbursement inside breath period, cash go off with invests conduct financial transactions, the more so as to save that borrow is more also. Link is visited in survey, the youth of 43.3% expresses clearly, "Use credit product is a kind of more prudent spending pattern " .
Indebted rate is youth essence 12.52%
The doubt that public opinion lends money consumption to the youth basically depends on its liquidity. Ever appeared on the net before this " 90 later generations of Chinese all are in debt 120 thousand, proportion of the income that take a month is as high as 1850% " opinion on public affairs. Accordingly, make clear the youth's true indebted condition, have important sense to have an insight into and digging China to consume market future foreground.
This survey did not use a convention " always be in debt / total assets " computation is formulary (the report is mentioned, because young talented person just began the accumulating of asset, this index does not suit them) , and cited first " debt income is compared " (debt liquidate forehead / can control income) this one new index, what can mirror this phase youth more is indebted with reimbursement ability.
The proportion that takes lunar income through needing reimbursement amount every months (increment / increment) can calculate, 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.
The net of 62% is bought use at living expenses in installment
Survey returns discovery, internet in installment consumer goods depends on the advantage such as agile advantage, permeability and good impression are spent highest, its 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 " .
This kind of circumstance issues even if, the youth that still 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, still put instead left many money. 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.
Take have degree, use have a red-letter day, increase deposit, the youth of 87% never has appeared inside nearly one year phenomenon of exceed the time limit, only the person of 3.6% arises often exceed the time limit and still borrow a phenomenon in order to borrow. The industry is careladen all the time " bull is leasehold " problem, the report also gave out the answer -- use 3 to reach above Internet the user of small and leasehold platform is occupied than be 3% the left and right sides.
Youth " dare borrow ability to earn "
Is lending money only " temporarily bright " ? Survey result of Nielsen discovers, using Internet in installment in the user of the product, the person of 35% has hope more to prospective obtain employment, the person of 45% has hope more to prospective income; And in the user that does not have any credit, these two data are only respectively 20% with 25% .
Reality also confirm this, city of a gleam of, having record of formal schooling of above of good-paying, undergraduate course and abroad experience " high pay knows high " in the crowd, the number scale outclass that has essence to be in debt " small town youth " with low income person.
Borrow more more, borrow this kind of phenomenon more more more, distinguished economist Chen Zhiwu ever had had an explanation, he is mentioned, the action of money market and financial product, help people namely " present demand " and " prospective money " the contradiction between has been coordinated, let a person have each society resource ahead of schedule, realize resource better cross period configuration. So, use credit product reasonably, conduce to a youth realizing good life more quickly.
