Only 13.4% of post-90s have no debts, so be wary of excessive consumption

  ■ Come on

  According to media reports, the "Consumption Report on Contemporary Youth" (hereinafter referred to as the "Report") released by an agency recently showed that there are 175 million post-90s in the country, of which only 13.4% of young people have no debts, while 86.6% of post-90s are all. Have exposure to credit products.

This data sparked heated debate.

  In this regard, many people are critical, thinking that it is young people who have fallen into the trap of consumerism; some people think that this is a normal phenomenon in the development of a commodity society to a certain stage, so there is no need to worry.

Objectively speaking, as a financial means, loans play an important role in real life.

However, the "Report" mentioned that in addition to repaying mortgages, more than 60% of post-90s generations use consumer loans to improve their quality of life and leisure, mainly related to the lazy economy, pet economy, health craze, beauty economy and entertainment industry. .

  Such a high proportion of borrowing is used to pay for "non-rigid demand" consumption, and the hidden risks are worthy of vigilance.

This does not deny everyone the right to "improve the quality of life and leisure", but believes that young people should not use excessive loans to make excess consumption, and then fall into the "consumerism trap."

Although many post-90s have entered society, relatively speaking, due to their short working hours, their debt repayment ability is not as high as imagined.

  The "Report" shows that the high proportion of young people's borrowing caused by "non-rigid" consumption has already exceeded the relatively reasonable scope, and it is worth arousing the vigilance of all parties.

As stated in the "Report", the birth and prosperity of Internet financial products have reduced the consumption of young people a lot.

This is the same as people’s perception of reality. After all, advertising on various lending platforms abounds in reality.

This exacerbated the spread of consumerism to some extent.

  From another perspective, in a commodity society, the individual as the main body sometimes uses comparison consumption and conspicuous consumption to flaunt individual independence.

But in this process, many young people are often limited by their own economic conditions, they will turn to borrowing, increasing the probability of their own "indebtedness."

This is also the reason why public opinion is concerned about this.

  Looking at it from this point of view, it is obvious that relevant parties need to continue to pay attention to the grim reality of "the debt ratio of young people is too high," and prompt reminders or even warnings should be issued when necessary.

Young people themselves must also establish a correct consumption concept and avoid excessive consumption.

  □Lu Jiu (media person)