Break a contact of 75.6 billion debt, the person that lends money how?_News

2018 exceed the time limit of Chinese credit card did not return amount to already amounted to 71.1 billion yuan first quarter, was 2010 8 times of contemporaneity!

Data shows, 2018 exceed the time limit of Chinese credit card did not return amount to already amounted to 71.1 billion yuan first quarter, was 2010 (7.689 billion) 8 times of contemporaneity, now year the 2nd quarter, half an year of exceed the time limit of our country credit card not countervail credit total seventy-five billion six hundred and sixty-seven million yuan, annulus comparing grows 6.35% , occupy credit card to answer 1.21% of countervail credit remaining sum. Meanwhile, rate of credit card exceed the time limit climbs the more than China that rise, beautiful couplet store data shows, first quarter, the credit card loan of American small bank is defaulted rate climb litre to 5.9% , during surmounting financial crisis peak value, bad Zhang rate also approachs financial crisis apogee ceaselessly. Whether can credit card fraction defective bring snowball effect below high speed Pan Shengzhi, cause major effect to China and even world economy? Be what caused break a contact of our country credit card to increase ceaselessly after all?

Debt break a contact is right for the individual, will be faced with individual asset by auction, credence be includinged " blacklist " or be restricted to consume; To the company, debt break a contact will be faced with credit grade to be reduced and even the company goes broke. Be opposite however for macroeconomic, it is when tide of debt break a contact inside whole society limits large-scale erupt, worst result erupts namely be similar to 2008 the United States second the economic crisis that borrows the crisis. 2008 second before borrowing the crisis to erupt, tide of American debt break a contact is large-scale erupt, rate of break a contact of American credit card increased considerably first half of the year 2007 30% , the car of American car dealer borrows bad Zhang rate to amount to 2.73% , achieve 10 years to come new tall.

Amount of credit card exceed the time limit why cruel add?

Of course, with the United States second the state photograph that before borrowing the crisis, tide of large-scale beak a contract erupts is compared, at present the situation wants our country hopeful much, 2017, half an year of exceed the time limit not countervail credit total occupies credit card to answer only 1.26% of countervail credit remaining sum, relatively end dropped 2016 0.14 percent. Cause amount of credit card exceed the time limit cruel added account is more diversiform also.

Above all, number of hold of our country credit card creates the history this year new tall. This year first quarter, amount of hold of average per capita of our country credit card is everybody 0.44 pieces, with photograph of the end of the year was compared last year, grew 0.05 pieces, that is to say, inside 3 months, amount of our country credit card increased nearly 7 ten million piece. And 2017, amount of credit card hairpin adds up to 588 million pieces, grow 26.35% compared to the same period.

That is to say, on one hand, suffer a room to lend the influence that constrictive, deposit drops, business growth is immersed in channel of bottleneck, investment to show deficient slightly, be immersed in " capital shortage " the bank begins from last year, relaxed conciously standard of credit card hairpin; On the other hand, rose on January 1, 2017, our country banking begins to implement credit card new rule, among them besides exempt fine for delaying payment, outside cancelling the compound interest regulation that urges consumer to use credit card, return a regulation among them, hairpin can manage circumstance and nimbleness of risk of the person that hold card to decide credit card is avoided according to oneself all right cease reimbursement period and lowermost reimbursement specified amount, this means a bank to be able to be passed be increased interest rate gets higher profit, then the bank continues to increase hairpin scope below the drive of profit.

Next, 2017, our country finance goes lever policy begins to carry out, heavy consumption is borrowed, cash is borrowed in strong superintend below must stop to run. End this year July, the net shifts an industry amount of normal operation platform 1645, photograph comparing reduces 218 by June, annulus of brisk investment number compares the industry drop 18.13% , loan number declines 13.79% . But platform is little, capital however demand still exists, then much loan demand flows to a bank.

Finally, undeniable is, the mainstream crowd of credit card, active user is at present medium, 70% for the 18 youths that arrive 35 years old. They suffer macroeconomic environment effect on one hand, the filial education cost that need bears is higher, expense of parental provide for the aged is bigger, the room borrows chummage more costly also; On the other hand, as a result of 80, 90 epigenesis are long in material relatively rich times, with parents one generation photograph is compared, deposit consciousness is inferior, consumptive desire is stronger, also more be used to " spend the money tomorrow to enjoy today " , then " lead is consumed " become nature gradually.

The consequence of credit card exceed the time limit and settle way

It is even more important to be recorded in credit today, because live,be no matter produce an unforeseen event and temporarily capital is in short supply, or it is to did not take care to forget reimbursement, the square field surface that can live to the individual causes adverse effect, exceed the time limit exceeds 3 months, offend possibly criminal law, the will face jail even disaster with serious clue. So, once produce phenomenon of credit card exceed the time limit, how should be we done?

One, search account of exceed the time limit for a short while. Because credit card is too much,be and the reimbursement that omited some piece of card, the credit card that still did not activation partly produced year of cost. Make a thorough investigation of after the reason, omit reimbursement should fill as soon as possible still, card undertakes activationing or cancel to the Morpheus of discovery.

According to time of different exceed the time limit, select different processing kind. Most bank can be in reimbursement in the future outspread 2 to 9 natural day undertakes reimbursement, should be in only reimbursement inside wide deadline do not calculate exceed the time limit. And exceed the time limit controls 30 days, can try to have negotiation with the bank, request to excuse. Strength to spare pays off debt, do not have those who have strength to spare to be able to try to be communicated with the bank deal with in installment, alleviate reimbursement pressure, or the function that uses modification Zhang odd-numbered days, defer reimbursement sheet of a Zhang is periodic.

3, if because financing is tight long-term exceed the time limit, need the redeems oneself as far as possible namely credit that do to record so, and avoid to be decided to be baleful debt, and the disaster that faces jail. Right now, besides need the mood is good outside be being communicated with the bank, still should use up oneself can reimbursement, even if cannot the attitude that sum reimbursement also should show Wu of him countervail repay a debt, to the bank, should not run only, do not break couplet, be willing to talk things over with the bank, still be the enemy of client and rather than of the bank.

4, notable is, after debt is paid off, must not cancel credit card, after using this to block 24 months normally, the exceed the time limit in the past is recorded, the follow-up record using card that just can be updated ceaselessly is strong annul. But the negative record in wanting to eliminate oneself to ask for a letter to record, need awaits lustrum.

Always know, consequence of credit card break a contact is serious, what we need to do is careful consumption, keep expenditures within the limits of income, avoid him be in hot water.