There are many articles on "How to Face Collection" on the Internet. Are there so many people in debt now?

According to the system data of untrustworthy executors, at present, more than130,000 people have been included in the system. According to the data released by the People's Bank of China on 20 19, the overdue amount of credit cards in China has reached 80 billion in the first half of 20 19, which is 7.686 billion yuan compared with 20 10. In addition, before Alipay released a set of data, the number of people using flower buds exceeded 300 million, of which more than 80 million were born after 90. It is not difficult to see through the above figures? Liabilities? The number of people and the amount of money spent are very high. Then why did it lead to so much debt? In fact, debt is divided into benign debt and bad debt.

The so-called benign debt, similar to mortgage, is conducive to asset appreciation. We know that house prices have risen a lot in recent years, and everyone says that investment is not as high as the return rate of real estate. But now the country has repeatedly reiterated? The house is for living, not for speculation. Therefore, the real estate control policy has been tightened in the past two years, but if it is a rigid demand, it is still supported. It is also because of mortgage that our residents have changed from high savings to high liabilities, but such liabilities are understandable and recognized.

What about bad debts? The most direct manifestation is that young people are now spending ahead of time and overdrawing their credit? How to face the collection? The liabilities mentioned in the article are here. A few years ago, with the rise of internet finance, various P2P advertisements directly granted a credit loan without any qualification evaluation, and most of these loans were? Regular loans? Let many young people who are not deeply involved in the world fall hard, and once they have the first stroke, it is difficult to get away with it. Then why do young people overdraw? The first is vanity, comparison psychology and unreasonable consumption view on the internet. A person's consumption should live within his means, which is the minimum requirement.

I think it is understandable for young people to buy a house or start a business debt. This is a positive choice. However, because of overdraft consumption, we should reflect on our behavior when paying wages. This is not overdraft consumption, but overdraft future.