Before long, the Chinese is called to put the model of money, in Chinese freeboard savings ratio drive, china formed the sth used to one's own advantage that can undertake the market invests quickly inside short time, the investment that forms with deposit also becomes the main motive force that expands to drive Chinese economy, however, do not know to consume the mainstream from what when began consumption lending money to become a Chinese gradually, and recently " Shanghai negotiable securities signs up for " print article " 90 hind consumption lending money becomes normal state " raise in order to borrow borrow " ratio moon a group of things with common features is more terrible " , this article caused the heat that social all circles lends money consumption to the youth one piece to discuss, we chat today, why to say not to have a house than hiring is more serious young return without deposit " raise in order to borrow borrow " consumption lending money?
One, 90 hind consumption lending money becomes normal state
Recently, be in harmony 360 release a report to show, look from the age, in loan crowd 90 hind (contain 95 hind) occupy than highest, amount to 49.31% . That is to say, in using the multitude that consumes loan, near the half is 90 hind. Among them, the user of 40.99% group lunar income reachs 5000 yuan in 2001 yuan. And to it opposite is, the user of 49.15% consumption of every months borrows money (do not contain a room to borrow, the car is borrowed) occupy that month of income 3 into above, specified amount of every months of loan spends the user that has 4.25% more occupy actual in one's hand the 100% above of income. And add main rooms to borrow, after the car is borrowed, amount of every months of loan compares the user that has 5.44% handiwork endowment is tall still. That is to say although some people in them take full salary repay that month still should borrow money, insufficient!
Containing a room to borrow the circumstance that borrows with the car to fall, use consumption loan exceeds 5 to become with the crowd that consumes at daily life, occupy than 50.17% . In loan channel respect, besides credit card, flower, white wait, the youth that exceeds an in part extends the hand borrow to the net. Investigation shows, if include a room to borrow,borrow with the car, the multitude that still has 5.44% endowment not pay a debt in kind or by labour. That is to say, in every 20 people, have 1 person every months to need the loan that repay, than actual in one's hand lunar income is even much.
However, well-known is a lot of companies and enterprise are choosing to fall now firewood perhaps moves firewood, the company income is higher banking before resembling and IT industry appeared to compare this year fall generally fuel tendency, below such big trend, everybody's consumption appears however give a very apparent ratchet effect (alleged ratchet effect enters excessive by frugal namely easy, enter frugal difficult) by excessive, the youth's consumption level drops inside short time hard however, then a lot of people chose to borrow old change new namely we often say " raise in order to borrow borrow " , the investigation data of 360 indicates thaw, the person that has 28.57% uses consumption to borrow, it is to repay other loan.
Public data shows, dweller not amount of countervail consumption loan increased this year 40% , amount to 6.8 trillion RMB. Meanwhile, release according to the Central Bank " the 2nd quarter paid a system to run overall condition 2018 " in light of, half an year of exceed the time limit of countrywide credit card not the amount of reimbursement achieved seventy-five billion six hundred and sixty-seven million yuan, annulus comparing grows 6.35% . 2010 half an year of countrywide credit card not countervail credit total is 7.686 billion yuan only, was twenty-five billion one hundred and ninety-two million yuan 2013, was thirty-eight billion and twenty-seven million yuan 2015, to 2017 growth went to sixty-six billion three hundred and eleven million yuan, 1 quarter was seventy-one billion one hundred and forty-eight million yuan 2018. And, we know a lot of youths and do not have credit card, use ant to spend however form, according to the flower the government releases " life of spending of light 2017 person reports " show, the whole nation is close of 170 million 90 hind in, more than 45 million person opened a flower.
When centering these data entirely when us, we can discover one lets the fact that the person fears: This regards China as prospective hope namely, our youth is falling into a trap that is in, one builds the trap that rise for core compose with consumption, consume to lead from keep expenditures within the limits of income when this trap, arrive finally to be raised in order to borrow to consumption lending money again when borrowing, the youth can be immersed in loop of a bloodcurdling, forever cannot the loop of extricate oneself.
2, the consumerism trap of terrorize
Youwaerhelali is in distinguished scholar its composing " the mankind brief history " in the center having such a paragraph classical discuss:
Consumerism tells us, want pleasure, go purchasing more more products, services with respect to this. If feel little what, or it is to have the place with not quite comfortable what, that is probable it is to should buy some of what goods () of new car, new clothes, organic food, or it is what to buy to serve (cleaner, psychology seeks advice, ) of gem gal class. Connect each TV ad, also be a small dummy plot, told you to buy what product or service to be able to make a day better.
Do not know everybody sees what kind of feeling a paragraph of such word can have? From the point of the angle of economics, after entering certain level when western market economy, as economic development, basically seek creditable consumption, go after incontinent creature comfort and pastime, make its made the value of the purpose of the life and life finally, it is the low viewpoint of value of core with fetishism to what say at forming Marx place therefore.
Actually, the closest period of time, we are discussing after all repeatedly is consumption upgrades or consumption demotes, but we however oversight a problem, why should this have such consumption namely, it is income increased really, should be we wrapped with renown watch, name, will renown shoe and brand cosmetic pack his? Car of average ride instead of walk must be replaced by BMW Ao Di?
It is under the temptation of consumerism, these consumptive behavior won't be considered as extravagant waste and was packed to make all sorts of good things by evolution, our media is in from media especially repeatedly advocate a concept, this is a person should pass a bit weller to oneself, this concept does not have a fault actually, derive again however became, buying Swiss name to express is to pursue European genteel way of life, travel going abroad is to satisfy " the world is so great, I want to look " , almost an any commodity were wrapped to go up the appearance of life meaning, plus little red book, worth while buy wait APP a moment to be down the lifestyle of alleged and genteel life radiation, the consumptive idea of income crowd waits in letting the lifestyle of wealthy person begin to be affected ceaselessly, let consume rational to be acted according to to be by everybody criterion.
No less than is the same as " the mankind brief history " in discuss: If the capitalist ethics according to the businessman, all profit should throw production again and not be to be wasted for nothing, come so, how should consumerism ethics and capitalist morality coexist? Sure! Resemble the time in the past, there also are elite element and division of labor of general popular labor today. Be in mediaeval Europe, aristocratic billow casts a thousand pieces of gold, all enjoy costly, and the farmer is live frugaly, haggle over every penny. But the circumstance is antipodal today. Millionaire government assets and investment are very careful, do not have so wealthy person however instead, buy the car that did not need so and TV set however none be irresolute when firmness is needed. The ethics of capitalism and consumerism can say the two sides of positive and negative that is a coin, shut these two kinds of sequence and be one. The highest rudder of wealthy person is -- " investment! " and we the highest rudder of these someone else is -- " buy! " and we the highest rudder of these someone else is -- " buy!!
Actually, this ability is a problem is essential, the person that this has money truly namely is not met actually so incontinent consumption, the youth that does not have the person of so much money to just enter duty field e.g. us however instead is in the consumption of such lead, because to consumerism, the youth pursues consumerism the more, accumulate adequate capital hard more, can exchange income only through his unending work time, and they are tried hard to produce that little sth used to one's own advantage that sells generation of labour force place, by oneself flourishingly consumptive desire place is consumed, in this perfect production sells systemic circulation in, capitalist and company can expand production to achieve earnings ceaselessly through investment, and the group of burgeoning and medium income that youth place represents however in the consumption with unending sink and production cannot extricate oneself, raise in order to borrow even borrow, let oneself be gobbled up by financial trap place again after be immersed in consumptive trap, go up as to the back therefore heavy debt, what traffic oneself as capital eventually is cheap labour force.
