The Alliance of Debtors has aroused heated discussions, why has the post 90s generation become the

The Douban group "Debtors Alliance" quietly went on the hot search. This debt alliance with the post-90s generation as the main body is the life that many post-90s young people are experiencing. In this alliance, which has been established for more than a year, there are many debt groups, and the main reasons for their debts are entrepreneurship, games, advanced consumption, being pitted, and being trapped in the pig killing market.

But ahead of time consumption accounts for a large proportion of their debt. This is also the real situation caused by the irrational consumption of young people.

The reason why the post-90s generation has become the mainstream of the indebted population is first of all because of the prevalence of the concept of advanced consumption. Among most of the post-90s young people, advanced consumption is becoming more and more popular, and these people are becoming more and more dependent on credit and overdraft, and will go into debt once they cannot repay; Secondly, the wrong concept of consumption. These post-90s young people have not established a correct and rational view of consumption since they were young, and they always focus on enjoyment and ignore the consequences.

As a result, the individual's income and expenditure situation is seriously unbalanced, and eventually he is in debt; Finally, credit platforms are not exhausted.

First, the prevalence of the concept of advanced consumption. With the development of society, the consumption concept of young people born in the 90s is very different from that of the post-90s. The consumption concept of the post-70s and post-80s is more conservative, while the consumption concept of the post-90s generation is more advanced, they pay more attention to enjoyment, and form a strong dependence on advanced consumption.

Second, the wrong concept of consumption. The young people born in the 90s have not established a correct concept of consumption since childhood, they are very impulsive when they consume, and they do not think about the consequences of such consumption at all, which leads to a huge imbalance between consumption and income. Eventually make them a debt-ridden generation.

Third, the growth of online lending platforms. The emergence of online lending platforms also has a great impact on the wrong consumption outlook of young people born in the 90s. The emergence of these consumer platforms has connived at and promoted the consumption desire of post-90s young people, making them fall into the trap of using loans to support loans.

Are you in debt?

It may be because the post-90s generation now has the concept of advanced consumption and does not have too much moderation in spending money, so it has become the mainstream group of people in debt.

Because the difference between income and expenditure of the post-90s generation is too great, and some post-90s generations love vanity and like to buy some high-end brands to enhance their sense of superiority, but they are in debt.

Because all major e-commerce platforms have services for early consumption, such as Huabei Baitiao, they also hype up such consumption awareness.

Because the post-90s generation has now become the main consumer group, coupled with the advanced overdraft behavior. Therefore, it has become the mainstream group of people in debt.

Recently, statistics from HSBC and Haier Consumer Finance show that the debt ratio of the post-90s group is as high as 1,850%, with an average debt of 120,000 yuan per capita, accounting for a large proportion of the consumer loan group, and consumer finance is really hot among the young group.

One in every six people around us is born in the 90s, and they have the highest investment in personal image, food and beverage consumption, knowledge payment and gift-giving. With the growth of the Internet, the post-90s generation favors online shopping, the proportion of online shopping consumption scenarios, and the proportion of offline daily consumption scenarios.

The debt ratio of the post-90s group is 1850%, where is the money spent?

In Internet shopping, the convenience of credit cards has led to most of the post-90s generation spending money unconsciously, and 618 and Double 11 impulsively chop their hands, and only remember their poverty when it is time to repay the money. During this year's 618 Shopping Festival, the overall turnover of oral beauty products on Tmall increased by 2,266% year-on-year, of which 43% of the buyers were post-90s who loved beauty; Last year's Double 11, the post-90s generation was the main consumer force, with a retail sales of 314.3 billion yuan that year, of which the top three industries were clothing and apparel, household appliances, and home furnishings, and the most bought products were mobile phones, children's clothing, and skin care sets.

Some people say that "the collapse of adults starts with borrowing money", and the collapse of the post-90s generation starts with repaying money. Internet finance is developed, it is easy to borrow money, but you can't be greedy, only do what you can and maintain credit with your heart. Come on, post-90s!

1. Debt is not a bad thing, as long as there is sufficient repayment ability in the future, you can raise funds for entrepreneurship or investment through debt.

2. In the past, people thought that debt-free was light and generally would not borrow. Even when you encounter difficulties, you can first solve it by borrowing money from neighbors and relatives.

With the development of the market economy and the change of people's concept of money, people no longer think that debt is a burden, on the contrary, the implementation of shopping behavior or business plans through debt has become a popular consumption concept.

3. Debts should be done according to their means, and debts according to their own needs and future repayment ability are rational debts. If you blindly over-indebted, you will exceed your ability to repay, resulting in overdue or defaulted loans, resulting in a bad credit record, which will have a serious impact on the future life of yourself and your family.

Fourth, rational or reasonable debts can not only solve the temporary need for funds, but also accumulate their good credit records and credit habits due to integrity and commitment, which will have a good impact on future work and life.

In order to improve our lives, it is normal to buy a house or a car and have debts, and it is normal to invest in entrepreneurship and run a business. Don't wait until the age of 50 to still have high debt, it will be too late, because life is already in a recession after the age of 50, and high debt at that time will affect your life, increase the burden on your body, and accelerate your aging.

It is recommended that young people born in the 90s determine their life goals while they are young and implement a good plan to buy a house, so that when you get older, your life pressure will be less and less, and the happiness index will be higher and higher.

Here is a reminder to all friends who are in debt, there is no good thing in the sky, and many good things are pits. Here, I wish the partners who are in debt to learn more, reserve more knowledge, reserve more network resources, and adjust their mentality. For the sake of children, the elderly, and lovers, make some stable money in a down-to-earth manner.

Control expenses, keep saving, take on multiple responsibilities, not be afraid of hard work, and go ashore early.

It can be said that the current situation of some post-90s generations is like this, because many people are faced with things such as buying a house, buying a car, getting married, giving birth to children, etc., and their income is insufficient, which can only be solved through loans or borrowings.

Many post-90s are in debt, this is really the status quo, not only the post-90s, but also the post-80s, as long as they buy a house, a car or consume, they will have debt. Especially now that online loans are developed, advertising is like not having to repay.

It is true that many post-90s have debts, basically many post-90s generations will use Huabei and the like, although they have debts, but they will not have a lot of debts, which is a common phenomenon.

Not all post-90s are in debt, not the current status quo, maybe most people are out of such a situation, and a small number of people are still living quite well.

Most of them are in this situation, because many young people are now accustomed to spending in advance, and I don't think this concept of consumption is good.

There are a lot of them, which cannot represent all the post-90s, and not all of the 90s are in debt! So you can't say that this is the status quo, it's not true, it can only represent part of it.

How many post-90s generations are living in debt and confusion?

Most of the debtors are post-90s, and more than half of my post-90s friends are in debt, which can be said to be relatively highThe consumption concept of the post-90s generation has also undergone great changes, and now some niche consumption is also accepted by more people, and they also have more ideas about their own careers.

1 The values of the post-90s generation have changed greatly.

Compared with people of other ages, the pressure of the post-90s generation is less, they have no elderly to take care of, no children to raise, so they just need to take care of their own lives, so in this case, their pressure is less, and they don't care very much about the property they own, not to say that they are particularly to save some consumption, and they will be more bold in spending money, and sometimes debt is a very common phenomenon. <>

For example, some basketball shoes, hand-made dolls, or some niche clothing, if you want to maintain these hobbies, it takes a lot of money, a pair of sneakers can sometimes reach thousands of dollars, such as some better handmade figures, the price can even reach tens of thousands of yuan, if you want to have what you want, you must need to spend a lot of money, and if you don't have enough money, you can only borrow money to maintain your hobby. <>

In the workplace, the post-90s have a tougher attitude towards leaders, and they will fight against unreasonable requirements for leaders, and many people will choose to resign directly, so sometimes income will become a big problem, and their economic situation will not be very good, so they will choose to borrow money or take out loans to maintain their lives and <>

There is also a reason why the post-90s generation has become the main force of the debtors' alliance, and it has a lot to do with their values and social experience.

Because the life pressure of the post-90s generation is generally greater, and the average income is relatively small, they also advocate the consumption concept of advanced consumption. Therefore, most of the debtors are post-90s. According to relevant data, their debt ratio has reached more than 120,000 yuan per capita.

Today's young people have advanced consumerism, so they are spending money for the future, and now they are overspending, so most of them are in debt. The debt ratio is more than 60%, and many people have opened various consumer credit cards.

Because the post-90s generation is now the main consumer group, coupled with advanced investment behavior, there are many post-90s debts. According to statistics, each of them has an average debt of 10,000 yuan.