Advanced consumption has become a wave, and young people's debts have become the norm. Is it really good to borrow money for consumption?

Large-scale public health incidents in the first half of this year have brought adverse effects to many enterprises and families. Shopping malls are closed, schools are closed, and logistics is stagnant. Many people's lives and work have been greatly hindered. Working families who can't work normally have temporarily lost their source of livelihood. Faced with the needs of life, they can only make a living by saving money. However, for families whose savings can't support their lives, the only choice they can make is to spend in advance. For a time, the advanced consumption pattern also eased the pressure of these families' lives.

In China, many consumers have the need to buy cars and houses. After all, owning a house and a car is often a way to improve the quality of life. Many times, consumers realize their garage dream by borrowing money from banks. Bank loans, this is just one of the ways to spend in advance. To be sure, bank loans have really helped many people and promoted economic development. However, is the concept of consumption brought about by advanced consumption really beneficial?

At present, in addition to banks, there are also large and small credit companies and financial companies that can provide credit services. The common feature of the advanced consumption provided by these groups is that they don't need mortgage, only check or even don't check credit information, and the amount is high (generally up to 200,000 yuan). We call this kind of advanced consumer service without mortgage credit service.

The birth of these credit services is mainly due to the high profits that credit services bring to borrowers. Take credit cards as an example. Users can enjoy interest-free treatment if they repay in full before the final repayment date. If he can't do this, he will calculate the daily interest of five ten thousandths according to the amount of the consumption bill from the consumption day until all the principal and interest are paid off. The interest of five ten thousandths per day seems low, but in fact, this interest can be "rolled up" and will not be seen in the short term, but in the long run, the interest generated by "rolling up" for one year in a row is amazing.

Compared with banks, the interest calculation of online lending platform is very complicated. After adding various fees other than the loan principal, such as guarantee fee and handling fee, these fees are added to the principal to calculate interest. Generally speaking, the interest charged by these online lending companies will not exceed the annual interest rate stipulated by the state of 34%. However, some non-compliant online lending platforms still use the method of "edge ball" to charge interest that exceeds the annual interest rate stipulated by the state.

It can be seen that the profit obtained by borrowing interest is very amazing. The data shows that in the first three quarters of 20 18, the bank's credit card business income was at least 78 billion yuan. As a representative of online lending platform, the net profit of Huayuan 20 19 in the first three quarters reached at least 1023 billion yuan.

In recent years, major e-commerce platforms have developed rapidly, and many shopping activities such as "Double Eleven" and "6 18" have been launched to attract consumers' consumption. While attracting consumers to increase their purchasing power, the concept of advanced consumption also exerts a subtle influence on consumers. According to the statistics of the central bank, as of the first quarter of this year, the number of credit cards in China reached 750 million, which means that one in every two people holds a credit card. After all, credit cards can not only be consumed in physical stores, but also be bound to a virtual payment platform to realize online shopping.

At the same time, some lending services in the online lending platform are also chosen by many people because of their convenience. Take Huabai as an example, it can download the payment experience of physical stores and online shopping platforms online for free, which makes Huabai have 300 million users. Among them, the number of users after 90 reached 45 million. Not only the flower buds, but also the post-90 s consumer groups have become the main force in using online lending platforms. They have a more enthusiastic desire to consume, and at the same time, they are more receptive to new things and new ideas. At the same time, post-90s consumers pay more attention to material enjoyment. Even after 90 with a monthly income of 5,000 yuan, their consumption desire even exceeds that of consumers with a monthly income of over 10,000 yuan.

However, this consumption pattern, which only satisfies the current consumption desire, also makes many people overestimate their repayment ability while impulsive, and there is a repayment phenomenon of "robbing Peter to pay Paul", which greatly affects their lives and their credit information, making many consumers miserable. According to reliable data, the per capita debt value of post-90s youth in China has exceeded 654.38+0.2 million yuan. This has basically completely exceeded the repayment ability of most post-90 s youths, so many post-90 s choose the minimum repayment method and enter a vicious circle of "rolling interest". Even so, there are still many post-90s youths who choose to borrow money on the online lending platform.

It must be said that many post-90 s consumers are basically in the advanced consumption concept of contact during the campus period and even at the beginning of work. Most consumers in this period lack judgment, independent economic ability and low anti-temptation ability, which is easy to form a wrong consumption view. To this end, the state seized thousands of illegal online lending companies. At the same time, strengthen the supervision of compliance platforms such as flower buds and white strips, and publicize a scientific and reasonable concept of correct consumption. This is not only to protect the rights and interests of consumers, but also to prevent a financial crisis similar to the American "credit crisis" in the domestic market.

There are advantages and disadvantages in the way of consumption in advance. As long as we establish a good consumption concept and make rational use of the way of leading consumption, it is the correct way of life. What do you think of the way to spend in advance?