The post-9s generation trapped by online loans: the per capita debt is 12,, and the "rich second generation" is reduced to the "negative second generation".
Young people line up for luxury goods. Source/Oriental IC
3-second fast reading
1. You can use Alipay flower buds and JD.COM white stripes for buy buy, Meituan for take-out and Ctrip for travel. Whenever you put luxury goods and bulk consumer goods into the shopping cart and hesitate to pay, these internet giants will kindly temporarily raise the amount for you.
2. The tool is innocent, but it is not without defects. After all, it magnifies the desire. Is the post-9s per capita debt of 12, a controllable normal phenomenon or an abyss?
under the pressure of his parents, Tan Kai dared to spread out a pen and paper at home for the first time, opened one bank App after another in his mobile phone, wrote down the loan amount and overdue interest, and explained to his parents where all this money was spent.
before that, he never calculated that he had already owed more than 4, yuan in card debt, and he didn't know that he would pay it back on his salary of 3, to 4, yuan a month.
A primary school classmate helped him to step on the brake this time. Once, when Tan Kai was driving a red light such as BMW 3 Series, he met a primary school classmate riding a battery car. The other party shouted "Tan Kai" and passed by. After returning home, Tan Kai added this forgotten "old friend" from the primary school classmates. Before greeting, he asked the other party to borrow 2 yuan.
In the days of robbing Peter to pay Paul, Tan Kai borrowed money from almost all his friends. Once he borrowed money from a friend, he said, "Brother, lend me another 1,. This is really the last time." My friend didn't say anything, but sent me a screenshot of the chat record. Tan Kai counted it. He borrowed money from this friend for more than a dozen times, from hundreds to tens of thousands. Every time he assured the other party that it was the last time.
Just like every time he empties his shopping cart and buys game equipment, he always says to himself that this is the last time.
In the end, the old friend who passed by didn't lend him 2 yuan, but told Tan Kai's parents the fact that he had borrowed all his friends. Knowing that at that moment, Tan Kai didn't have any hatred, but felt relaxed.
After a reproach, my parents borrowed money from relatives and friends to help Tan Kai clear all his debts in just a few days. However, everyone didn't expect it, including talking about Kay herself. This is not the last time.
Tan Kai opened a gambling website, trying to turn the tables against the wind, but he fell into a deeper abyss. This time, he completed a circle of online lending platforms and owed more than 1 million yuan in debt.
The day after he prepared to mortgage the wedding room, the collector came to the door, only his wife and baby over one year old were at home. When Tan Kai pushed open the door, he saw the collector sitting in the living room, and the voice of the child crying came from the room. He was flat on the ground and his head was blank.
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"No threshold, low interest, second loan" and "You can borrow online loans as long as you can breathe". The slogans of online lending platforms are so understated that they never warn that loans are risky. At that moment, Tan Kai only felt unable to breathe. He couldn't even tell his parents where he spent the money this time.
My father didn't say a word, and my mother cried a lot. They didn't blame Tan Kai any more, but they just collected money to help him clear the online loan a little bit. The BMW 3 Series is not sold, and the wedding room of more than 16 square meters is not sold. Parents just cut off the pocket money for the couple. Why? In order to save face, "if the collectors come to splash paint and hit people, the news will spread all over the town immediately, and our family will not have to be human."
Up to now, talking about where Kay spent his money is still a muddled account rotting in his stomach. Buy buy can buy flowers with Alipay and JD.COM White Stripes, order takeout with Meituan monthly payment, and travel with Ctrip. Whenever you put luxury goods and bulk consumer goods into the shopping cart and hesitate to pay, these internet giants will kindly temporarily raise the amount for you, and almost all the internet giants covering your food, clothing, housing, transportation and social activities are equipped with cash loans. They are not afraid of your robbing Peter to pay Paul, at least they are collecting money. They know your real address better than banks, and even know your family's account balance and consumption level better than you.
"Migrant workers are distressed that their mothers who are unwell for the first time will be upgraded" and "farmers from poor backgrounds have married beautiful stewardesses". When online loan advertisements began to target the audience as a sinking market, an amazing fact surfaced, and the post-9s generation in first-tier cities had been saddled with mountains of debts.
according to the statistical data in 219, China's post-9s average debt is 12,.
Tuyuan/Oriental IC
Tan Kai is just the average one. He is also a high-quality target customer that major online lending platforms are looking for. He lives in third-and fourth-tier cities, with a meager salary, but lives a decent life.
"Once you owe online loans, you can't have any sudden problems." Xiao Xiao, who has been struggling with major online lending platforms for almost five years, was forced to understand this truth. "You can't stop working. Once the capital chain is broken, it will be snowballing interest."
I owe 2, yuan, with a debt repayment history of 6 years. In the Douban Debtor Alliance Group, Xiaoxiao's quota is at a normal level. Some Douban netizens have done statistics. In this group where more than 3, debtors joined, the accumulated publicly shared debts reached 17 million.
The debtor alliance is only a small microcosm. According to the "General Situation of Payment System in the Third Quarter of 22" published by the central bank, it is mentioned that the total outstanding credit of credit cards in the country is 9.663 billion yuan, which is more than 1 times that of 1 years ago. Among these overdue borrowers, the post-9s generation accounts for almost half.
Tuyuan/"Overall situation of payment system in the third quarter of 22"
In 217, her first boyfriend who had been in love for many years chose to cheat, and Xiaoxiao once had suicidal thoughts, and was diagnosed with severe depression in a 3A hospital. "I went to a strange city against my parents' wishes and my boyfriend. At that time, I said all the ugly words, and I felt that I had reached all of them. It was hard to let go." Xiaoxiao was still a little emotional when she mentioned this past. She also joined Douban's lovelorn counseling group.
Because the relationship with family and friends is in the freezing period, all the expenses of renting a house, seeing a doctor and medicine during the year of unemployment come from the online loan platform. The 24-year-old girl would rather borrow money from the platform than go home to reconcile with her mother.
when the repayment date is next month, she will make up for it from the new loan platform. What she didn't expect was that the chain effect of raising loans with loans was beyond her tolerance. Three online loan platforms and three credit cards, each platform owed at most 8, yuan and at least 2, yuan, and the total debt owed to friends was 3, yuan, which was the first bad news she received after her health improved.
After returning to the right track, Xiaoxiao worked as an e-commerce customer service post in Hangzhou. Except for the monthly rent in 1 yuan, the rest of the money was used to repay the loan. Xiaoxiao never dared to pay in full because she was afraid of receiving credit information. "The minimum repayment seems to be less stressful on the surface, but the interest rate is the highest."
in view of the current pressure of repayment, xiaoxiao voluntarily chooses the night shift position of the company, and the working hours are from 4 pm to 12 am. According to the living habits of ordinary people, normal working hours include three meals a day. If you choose to work the night shift, you can avoid the temptation of food, and you only need the energy of one meal in the afternoon to last until noon the next day. In Xiaoxiao's expenditure breakdown, the daily expenses are almost negligible. The lunch that was dealt with was a bowl of meager handmade noodles or a one-dollar cake.
Tuyuan/Baotu. com
Xiaoxiao feels that his experience is like the protagonist in "Police and Hymns". When he finally finds the meaning of life, he is now in an abyss. However, Xiaoxiao has found a conservative measure to deal with high loans: pay off the microfinance platforms one by one, leaving only a formal platform with the lowest interest rate and then pay back the money slowly. "It is better to leave a platform loan than multiple platforms. Even if it comes to collection, one platform is milder than seven or eight platforms." Xiaoxiao said.
Under the advice of a friend, Xiaoxiao decided to tell her family about the loan. She was afraid of an avalanche one day. "I am worried that one day my family will receive a collection call. It is better to confess in advance." The mother's attitude has undergone subtle changes. First, she was scolded by the storm, and then she asked Xiaoxiao incredulously if she was cheating. Finally, her mother relented, and she began to ponder to borrow money from relatives to pay off part of her daughter's debts.
Less than half a year after the "Staging Music" was launched, Sun Ping, a sophomore, finally broke into the unknown world of online lending, starting with a few hundred yuan of mounts and clothes. The new game equipment made him have the illusion that he was the focus of the audience. At first, Sun Ping wasn't worried that the funds brought by staging music were out of control. Before he entered the adult world, his family gave him a 5, yuan financial fund. "The idea at that time was that after the regular wealth management income arrived, it would definitely fill the vacancy." Things didn't go according to Sun Ping's idea. He even put all his 5, yuan financial principal into the virtual game world.
However, in the first round, Sun Ping did not entangle with the lending platform for too long. After selling the game account at a high price of 45, yuan, all the vacancies for installment loans were made up. When giving up the expensive equipment in the game, Sun Ping realized the satisfaction of life by buying brand-name clothes and shoes. For example, you may just want to buy a shoe, but now you have to buy all the colors of this shoe.
Tuyuan /Pixabay
I am used to buying thousands of shoes and designer bags. All e-commerce platforms portray Sun Ping as a portrait of the post-199s rich second generation, and his mobile phone e-commerce interface is always rolling with personalized and high-end products, which is a process of continuous accumulation of desires. "Even every time I want to buy a box of paper, ranking first in search is always expensive." Sun Ping found it hard to jump out.
The pressure of debt reached its peak in the summer vacation after graduation in Sun Ping. Being unemployed at home made him lose his monthly stable living expenses, but the express parcels in Sun Ping never stopped. Sun Ping could only pay off part of the loans by robbing Peter to pay Paul, and several lending platforms such as Meituan Living Expenses, Ant Flower Garden, Comfortable Flower and 58 Easy Loan became the capital turnover stations.
Flower buds are filled with payment scenes everywhere, ranging from being open only to a few flagship stores to invading all fields of young people's food, clothing, housing and transportation. Even the purchasing of friends can be paid by scanning the flower buds. Sun Ping found that when he wanted to take a down jacket of several thousand yuan on the e-commerce platform, the amount of online loan would be increased accordingly, which cleared Sun Ping's worries at once, and he had to press the loan button again.
During that time, Sun Ping often woke up from nightmares. After receiving the collection call, his parents didn't want to clean up the mess, or even broke off the father-son relationship with him.
In retrospect, Sun Ping had a chance to break away from online lending. During the period when he sold his game account at a high price, Sun Ping's liquidity on hand was still much higher than that of his peers, but he was involved in online lending again because of his budding desire.
Tuyuan/Baotu. com
"At the beginning, only a small part of the game equipment was upgraded from online loans, and hundreds of thousands came from the accumulated financial support of parents." Without the constant support of his parents, Sun Ping's capital chain would have been broken more than once, and he dragged his parents into this abyss, completely reducing himself from a "rich second generation" to a "negative second generation".
Sun Ping kept sinking in the abyss of online lending until November 22. After successfully entering the IT department of Beijing Internet Company, he can get a salary of about 1, yuan per month after deducting five insurances and one gold. The difficulty of making money is far beyond his imagination, and he often has to go through the torture of 997, especially when most colleagues in the office are shuttling through the workplace in corporate culture clothes, wearing brand-name clothes bought with heavy money seems out of place.
Sun Ping resumed the bill of more than 3, yuan owed by various platforms. Before that, he did not consider the annual interest rate of the lending platform at all. "The annual interest rate is 1%~36%, and the most exaggerated lending platform almost touches the red line of the annual interest rate." In Sun Ping's repayment plan, six online lending platforms have to repay loans of nearly 8, yuan in the most painful month, which is more than half of Sun Ping's salary. If all goes according to plan, Sun Ping's last loan will end in October this year.
Guangyu stands on the B side of the debtor alliance group. His original intention of borrowing money is not to satisfy material desires, nor to gamble or be cheated, but to get rich.
He used financial leverage to the extreme. Although he was burdened with three mortgages in Shanghai, Chongqing and Shandong, he could still maintain the normal life of a family of three.
"Only borrowed money is your own money, and all the money saved is someone else's money." The good attitude of long-term debt and the sophisticated means of making good use of financial instruments completely fail to see that this is a debtor who has worked for four or five years but is carrying millions of loans. "Stimulating the economy mainly depends on quantitative easing. As long as the borrowed money is cheap enough, inflation will help you repay the loan."
Tuyuan /Pixabay
Being unemployed for more than a year, it seems that the mortgage will not be paid soon. Guangyu's first thought was actually to buy another car, because the car loan was subsidized by the manufacturer, and there was no interest. As long as he paid more than 2, yuan for financial services, the bank finally released more car loans than he actually paid, and he had cash flow to repay the mortgage again.
during a talk in Kan Kan, Guangyu calculated an account. The loan with the highest interest rate he borrowed was the decoration loan, with 2.9% equal principal and interest repayment, and the actual annualized irr was 6%. The mortgage is repaid at a fixed interest rate, which is no more than 4.6%. The home appliance loan is interest-free by Suning's consumption for half a year. The cost of car loan is 1%, and the cost of overseas funds borrowed through insurance is also controlled below 2%. The total debt cost is 4%, and the asset-liability ratio is about 5%.
In 216, Guangyu just graduated and came to Shanghai to travel. As a result, the baby was born the next day, and the monthly salary of 3, yuan was not yet available. He used a credit card with a limit of only 5, yuan to pay for all kinds of baby-bearing expenses. "I am a child who came out of the mountains and only found a wife from a small county in a first-tier city. Two people started from scratch, gave birth to a baby and bought a house, and the old man at home gave me 2.
After three years' monthly payment is equal to the rent, you can consider buying a second set after five years' debt. Migrant workers can basically borrow one or two million yuan without collateral, and they can basically pay it back in a year or two. This is Guangyu's wishful thinking when he is holding an annual salary of nearly one million. However, under the downward trend of the economy, his cash flow is getting more and more tense, and unconsciously, anxiety has gradually become the norm.
recently, he had the idea of selling a house, but now it is not as easy as he thought, and it is not a line.