"90 later generations all are in debt exceed 120 thousand yuan " department rumor, this ability is

90 hind, it is the group that stands below spotlight all the time, be oppugned, be looked to decline, still be affixed " break down " the label of generation, the new thing that when this generation the person encounters phenomenal class -- consumer credit, was affixed again " tall indebted " , " lead is consumed " label, still have even " average per capita is indebted exceed 120 thousand yuan " such " breathtaking " data is propped up. However, one analyses the report that orgnaization Nielsen issues to show by authoritative data recently, indebted rate is youth essence 12.52% , and most youth can be in avoid credit card of the settle inside breath, regard credit product as " be economical " pay a tool to use. Others laugh I am too insane, I laugh at others to look to be not worn. Lending money consumption in critical youth when public opinion, "Negative old man " , "Delicate end " when. In youth eye, this is their more astute lifestyle. 01, permeability of youth group credit amounts to 86.6% youths group to have consumptive desire, income growth is rapid, but in certain period, a lot of people do not have sufficient consumptive capacity, it is the main force of consumer credit. Distinguished economist Chen Zhiwu once was mentioned, "In the person's lifetime, when lacking cash, be young most when, but the necessity that at that time manpower capital invests is highest (read go to school, accumulate experience to wait) , consumptive desire is the strongest also, need to spend money most; And aged later, although accumulated wealth all one's life, income is highest also, but consumption needs minimum, consumptive ability and desire dropped, the limit effectiveness of beautiful money is degressive also of course. Want according to oneself ' all one's life income ' the consumption that will optimize people on one's own side to lay different level, is not plan consumption and investment only according to present income. " the fund that uses good future, be helpful for its having more social resource, consumer credit is accepted extensively by young group. Nielsen releases recently " Chinese youth is indebted the state reports " (later development abbreviation " report " ) show: In the youth, the permeability of total credit product is 86.6% , consuming kind of credit is to occupy than highest credit type; Internet in installment the permeability of consumer goods is achieved 60.9% , and credit card has 45.5% only; The youth of 42.9% prefers or use Internet only in installment consumer goods, and only 23.8% express more preference credit card. " report " think: With the United States development level is surveyor's pole, china consumes financial industry to still have space of very great progress, as consumption transition upgrades, compatriots consumes concept change, of Internet finance technology roll out in the round, and the progressively standardization that signs a letter, socialization, potential of development of future of industry of Chinese consumption banking is tremendous. Consumer credit is in market potential is beyond question, see one spot from the layout enthusiasm of company of each big finance orgnaization, Internet and sundry consumer credit product. The rise of consumer credit is one cannot counter the tendency that turn, be in nevertheless when mentioning this one vocabulary, auditor is half happy care more: "Happy event " the view is consumer credit makes the life more and more convenient, and a lot of consumer credit do not need an user to bear cost, for instance credit card, flower those who wait for a product avoid breath period setting, did not increase debt load not only, bring an user a lot of material benefit instead; And " care " the viewpoint is venture of the indebted rate that is centered at the user, banking and social problem more, even still ever data says: 90 later generations all are in debt achieve one hundred and twenty-seven thousand nine hundred yuan. Listen suddenly, youth already by tall indebted should collapse, be really such? 02, indebted rate is youth essence 12.52% to this " 90 later generations all are in debt exceed 120 thousand yuan " say decline, public opinion ever initiative card bogus, ceng Fawen of channel of famous Wu Xiaobo has traced to the source this source that says decline, author general its are brief arrange as follows: "In Feburary 2016, grand benefit is safe (what Manulife) releases is new one edition " index of intent of grand benefit investor (MISI) " in mention, chinese mainland is young investor (millennium generation, namely 35 years old the following) debt, achieve 18.5 times of lunar income. Subsequently, of all kinds reprint and cite will " 18.5 times " suitable scope is changed ceaselessly or expand. September 2018, date of public of a small letter cited " indebted income is compared 18.5 times " view, became millennium generation 90 hind, still cited " this year's graduates of city of a gleam of is average 2017 monthly pay 6917 yuan " , two two-phase are multiplied, cipher out one hundred and twenty-seven thousand nine hundred yuan average per capita is indebted. China 90 hind from now on " average per capita is indebted one hundred and twenty-seven thousand nine hundred yuan " , and relevant data is reported with collecting abundant bank by the coronal renown head. " had the bank that collect abundant this gold-lettered signboard, 90 later generations all are in debt the argument that transcends 120 thousand yuan, by from mouth to mouth, no longer the origin that somebody pays close attention to these data and authenticity. " " report " although do not have the indebted data that investigates a youth directly, but the data that compares with debt income however, indirect evidence is clear " 90 later generations all are in debt exceed 120 thousand yuan " inconsistent with the facts. The indebted rate that uses than liking at public opinion and asset are indebted lead two index, " report " think: Debt income is compared more the can intuitionistic real life current situation that reflects a youth. Above all, the scale that the crowd is in debt in the youth is far however under permeability. " report " point out: The youth of 42.1% is used only consume kind of credit and pay off that month; If this part youth from the purify in indebted crowd, so essence is indebted 44.5% what the crowd will shrink to be integral youth less. In the meantime, because of the distinctive function of consumer credit, very big one part youth serves as his " pay a tool " , major liabilities can get repaying that month, thereby any interest expense; If serve as this part " pay a tool " amount from the purify in debt, substantial debt income is compared will from 41.75% fall for 12.52% . If 90 later generations all are in debt one hundred and twenty-seven thousand nine hundred yuan (divide 12~24 suppose period reimbursement) , with the debt of 12.52% income comparing is calculated roughly the 90 lunar income range after should be in 5~10 10 thousand yuan, so 90 hind it is should gutty run quickly, BMW, big is wild also not be very expensive feeling. But reality is, most 90 hind not. Summary will tell, although there is sundry consumer credit product on money market, but what a lot of people obtain is consumer credit give a letter, award a letter to be able to be not become certainly indebted, and be in debt reasonably to be told to the youth also is not evildoing, for instance " report " in a when mention interesting phenomenon is: The above of income of city of a gleam of, on the high side, undergraduate course, youth that has abroad experience will be more landed unripe materiality is indebted. Look, record of formal schooling, income jumps over tall person to like to be in debt more. 03, be relapsed " finish " the youth although the indebted income of youth group is compared not tall, but must approbatory is, not little youth is become because of all sorts of loan " negative old man " , this is the base point that rejects consumer credit public opinion. But go rationally telling, aught has two sides sex, e.g. : Rice is the staple food of most Chinese, but not awful eat possible also meeting to be maintained dead; Opium poppy is the raw material of drugs, but use it to also can be machined to be used as medicine well actually. Thing itself does not have absolutely stand or fall, of oneself of the person that use " degree " just be decision stand or fall is essential. The angle of the person that use from tells: Understand new finance to have two pieces of credit card, also opened a flower at the same time, every month was used to use flower (lick next disbursement right now treasure) pay below all sorts of consumption setting, thereby every month can have thousands of " indebted " , but is this kind in debt to you can create the situation with indebted exorbitant rate really? Of course won't, just us normal " cost " brief translate into is indebted just; Of course, a lot of people also because be spent in great quantities, credit card Zhang is odd and excessive indebted. The prime cause that causes two kinds of different outcomes is the high speed development of consumer credit, the person that lets do not have financial consciousness more very much some unaware, this kind unawares basically change now two respects: The first, did not select right consumer credit product. In huge market demand urge move below, of all kinds credit product countless, have the normal product of company of science and technology of tycoon of out bank, Internet, finance, also have wrapping around the 714 tall artillery piece of consumer credit appearance, cover a road to borrow, a lot of youths or devoid finance common sense, or the fluky mentality that adopting Lu cut is immersed in 714 tall artillery piece, that consequence is self-evident. The 2nd, did not manage the fluidity of good capital. Information Gu island exists between financial orgnaization, this brought about a lot of youths to had obtained much awarding to believe, if rice of consumer credit assimilate to, the liquidity us (or income) assimilate to stomach, understand among them problem very easily to be in, our stomach is so big, inside short time basic and changeless, if the stomach is already full, have rice even, that affirmation can be maintained, the meal pauses to need not eat possibly below, if had been maintained,continue to eat even, that consequence erupts namely debt crisis of the individual. Nevertheless, those who be worth to rejoice is, most youth is before consumer credit or can maintain reason, " report " point out: The youth of 87% never has appeared in nearly one year phenomenon of exceed the time limit. In the meantime, academy of Chinese new economy pays treasure to release jointly " 90 hind assemble money reports " also mentioned a lot of by the truth of person oversight, for instance: Of 90% 90 hind with the flower it is for be economical, having 10% only is to be consumed ahead of schedule; 9 into 90 hind state oneself will be sensible consumption, won't buy the thing that does not need. Southern Metropolis Daily is in " 95 hind consumption in installment user growing sex findings report " in also point out, through paying in installment, customer can not come his part income becomes the money that can spend today, capital of reasonable arrangement future, be considered as a kind of prudent spending pattern. Major user in installment behavior body reveals autonomy, spontaneity, because cannot pay order form,be not just and must in installment. In be asked about when the utility that consumes in installment, great majority person chose to be used at promoting the life quality to mix invest for future, body reveals the feature that consumption upgrades. These 3 report direct or indirect evidence is clear and same a thing: Although credit product permeability is tall, but with 90 hind the youth that is a delegate, want than what the outside imagines far reason, clever; Be in debt to also cannot explain youth life is short of money at the same time, be in debt reasonably to won't accentuate not only the youth's burden, still can help youth economy. In the past, we say the youth is met by game finish, meeting by outside sell finish, but factual proof game and outside sell be in all the time, but the youth grows gradually however rose, a lot of people are saying the youth is met again now by consumer credit finish. . . . . . The youth is done not have so flimsy, not only the mainstay that still did not become a society flimsily. In the meantime, those who criticise the youth plays a mobile phone is medium senile group employs in the society is euqally after the mobile phone " teenager of network strong interest " , because these new things are the wheel of the times, once scroll is not reversible,turn. The whole of consumer credit develops way, with network game, outside sell etc burgeoning thing is similar, their large-scale gain ground to also can bring case of a few extremes, telling this from probability cannot avoid. The thing has two sides sex, in every case can certainly benefit is more than fraud long-standing thing far, consumer credit is very young still now, supervise in what social all circles needs in the process that it grows, adjust, but not be demon is changed, opprobrium is changed. 90 after growing also is such, be relapsed " finish " , should be the bias that the outside grows to the Cenozoic Era.