Is there really so much debt in the post 80s and post 90s now? Why?

An article on "more than half of the post-90s online loans" has aroused heated discussions on the Internet. It seems that the income of the post-90s generation cannot support their advanced consumption, however, is the post-90s generation in their 20s really more indebted than the post-80s generation in Bensi?

In this regard, we selected 4 million loan applicants born in 80-99 years old from Suning Finance as an analysis sample to compare the real liabilities of the post-80s and post-90s generations from a variety of credit data dimensions.

First of all, according to the credit transaction details of the credit report of the People's Bank of China, we can count the number of different types of loans, contract amounts, outstanding balances and other information of the applicant.

Judging from the above set of data, the post-80s generation has heavier debts than the post-90s, and the average total loan balance of the post-80s generation is twice that of the post-90s.

You may think that most of the post-80s have got married and bought a house, could it be that the mortgage has raised the average arrears of the post-80s? After all, the mortgage amount is generally larger, and buying a house is more like an investment than an ordinary consumption.

Below, let's make a comparison after excluding the mortgage.

After excluding the mortgage balance, the gap between the average total loan balance of the post-80s and post-90s generations has not only not decreased, but has become larger, from double to double.

In other words, the mortgage is not the main reason why the post-80s debt is higher than that of the post-90s. The real reason is that the income of the post-80s generation is relatively higher, and the loan amount given by financial institutions is larger, resulting in the difference in loan balances between the two groups.

The post-90s credit card overdraft ratio is higher.

Looking at credit cards, as one of the most common and important credit products in life, the use habits of credit cards can reflect the debt situation of individuals to a certain extent.

In terms of absolute amount, the current amount of credit cards owed by the post-80s generation (10,000 yuan) is almost twice that of the current arrears of the post-90s credit card (10,000 yuan), the main reason is that the post-80s generation works longer and has a higher overall income, and the credit limit given to them by the bank is usually higher than that given to the post-90s, so the credit card limit utilization rate may be more reflective of the problem. The data tells us that the post-90s seem to prefer overdraft credit cards than the post-80s, but there is not much difference between the two groups in this indicator.

Monthly repayment amount: The post-80s generation is under great pressure.

Combined with the arrears of loans and credit cards, it can be deduced that the per capita arrears of the post-80s generation reached 10,000 yuan, and the per capita arrears of the post-90s generation was 10,000 yuan. In 2018, the per capita disposable income given by the Bureau of Statistics was 10,000 yuan, which means that the arrears of the post-80s generation are equivalent to their annual income, while the post-90s generation needs annual income to pay off the arrears.

Now there are really so many post-80s and post-90s debts, because there are now a lot of advanced consumption.

It's really a lot, I'm like this, because I grew up in this era, I didn't catch up with good opportunities, and I didn't have a good family to rely on.

It is indeed true, because they all like to consume ahead of time, so they are all in debt.

Mainly in their own thinking and imagination, with the development of things and change, in short, today's people are too comfortable, no dreams, sometimes there are dreams are not big, fate is given by parents is not changeable, luck! It is we who are shipped in the current society, the first to have dreams, the ability to learn, never say die, communication and interpersonal communication, emotional exchanges, dare to think and dare to do, courage and bear these, always ready, opportunities are reserved for people who prepare in advance. Today's post-80s generation, they are the first generation of single children in family planning, and now they are working, marrying, dating, and giving birth, and these people live a relatively wealthy life compared to their grandparents.

Compared with the post-90s, they were earlier involved in work, talking about marriage, buying a car and buying a house, signing up for a group to have children, and dealing with people. We all know that the post-80s generation will bear higher debt than the post-90s. According to the details of bank credit transactions in the personal credit report, the applicant can be statistically analyzed for different types of loans, contract amounts, unpaid balances and other relevant information, the larger the number of loans, the more balance data information, and therefore the heavier the debt.

According to the statistical analysis of the official website, it also shows that the total balance of the average loan of the post-80s generation is that of the post-90s. Although the financial institution tells you that the bank credit card assets cannot be used to purchase**, <>

Purchase**, not available for purchase. But in fact, as soon as the bank credit card is completed, the bank's business staff will call you **, and can help you transfer the money from your personal credit card to a debit card for free. The post-80s generation lives in the fast road of the development trend of the new era, whether it is food, clothing, housing and transportation, the post-80s have worked hard enough and supported a piece of the sky, but this kind of burden should be established in an innovative mode, such as housing loans, car loans, children's education, and the diagnosis and treatment of the older generation.

The post-90s generation is looking for a more rapid, uncertain, and changing living environment, and they rely on their different selves to <>

Thinking and innovation have been secretly changing the world for a long time. On the other hand, in order to have a home in the city, young people borrowed some of the money they had saved from their wages and business to buy a house and a car. I need to repay the mortgage and car loan every month, and there is no money left over for a year, sometimes it is not enough, and I am in a hurry all day long.

There are also some young people who are in debt, the money invested has been wasted, coupled with the bad environment, many factories have reduced their expenditures, and they have been laid off to work, but the living expenses must be expensed, and they are forced to use bank credit cards or online loan platforms, resulting in bearishness!

It is indeed in debt. If you want to change this situation, of course, you need to make more money, as long as you can increase your income and pay off your debts in time, you can make your life better.

Yes, because these people are under a lot of pressure, they have basically bought a house, so because of the debt status, if you want to change, you have to work hard to earn money.

Yes, definitely. First of all, you must go to check the work of the body, and then you can also start a business, you can develop a new **, you can also do self-** work, you must make good money, don't be lazy.

3. Family expensesMany young couples find that the family expenses are very large after getting married, especially for the post-90s generation, which may make them feel pressured. People in their twenties and thirties have a very small chance of achieving success in their careers. Moreover, young people are unwilling to lag behind others, so they may have some comparison psychology, which may also be one of the reasons for their debt.

It is because the economy is constantly developing and the requirements for boys are particularly high, so many people will take out loans to buy cars and houses.

It is because it is not easy to find a partner now, and the woman's requirements are particularly high, and the man is generally required to have a car, a house and a deposit, so now many post-90s generations will have some debts.

First of all, I think this is a very normal situation, because there are many people who are under a lot of pressure now, so the reason for this phenomenon may be because the social pressure is too high, or it may be because the housing prices are too high, or it may be because the current car prices are also very high, and it may also be because the current prices are very high.