The balance of short-term consumer loans in China and the United States is very close to the ratio of consumer spending in the current year, and it is indeed a good thing for the market that young people dare to spend money, but some people forget their real economic strength when their brains are hot.

Gradually, he became an old man.

Ant borrowing also has a complete set of credit mechanism deterrence, but there are occasional situations where college students are unable to repay their loans, and some other platforms are not as 'benevolent' as Zhixin, even if you can afford to pay it back, it's just one word.

Force!

So far, there have been several cases of college graduates committing suicide because they were unable to repay their loans.

This has to be said to be really a sadness of the times.

Vanity swells far beyond their own economic strength, and they only feel excited when they buy, buy, buy, buy, but look back and face huge debts, but they seem extremely powerless......

That's where the real despair begins.

Just like Ye Zhi......

His original intention of establishing ant borrowing is good, but it is a tool and a form after all.

However, many people say that it is these convenient borrowing mechanisms that harm them, but what really destroys them is always their insatiable greed, and this desire to consume is not much different from gambling.

So recently, Ye Zhi has also weighed the importance of borrowing convenience and personal creditworthiness.

If a person does not even have the most basic ability to repay the loan, then it is not borrowing, it is playing tricks, even if there is no amount of money for them to squander.

At present, there have been more than 100 college graduates who have borrowed tens of thousands of yuan from Ant and have not repaid them overdue.

And these people ......

In fact, there is already a certain stain on the reputation, and they don't know it, although Alipay will also remind them in the App, but their eyes seem to be blinded, and they can't see at all.

Ye Zhi is also very troubled by this, but he can't kill everyone with one rod, how to distinguish this kind of person who has no self-control over consumption?

So far, there hasn't been a particularly good way. Because they were actually new users before this, there really wasn't any 'antecedents' recorded, and they didn't know until they did it.

In view of the conservative consumption concept of the older generation, the younger generation, who have been 'infiltrated' by consumerism for a long time, and are more and more daring to spend money, have become the main force in this 'catching up' with developed countries.

Like some ......

"Your money never left, it just stayed with you in a different way. ”

"Buy early, enjoy early. ”

"The skirt I liked when I was 20 years old no longer makes sense to wear it at 40 years old. ”

This type of concept has gradually been accepted by some people, and it is precisely because these words continue to stimulate the consumer nerves of the post-90s, so the hands that have been 'chopped off' again and again have grown back.

This is definitely not a good thing.

At present, Zhixin Technology has overdue and unrecovered money on the loan as high as more than 6 million, not much, but it is also a lot, because the loan does not borrow too much money from such people, and it is not enough to borrow too much without enough credibility and economic strength support.

But......

There are such people, ants borrow a little, and other apps borrow a little, and the little adds up.

There are even such people among Shen Lu's classmates, even the students of Peking University, not to mention other universities, everyone has the dream of Cinderella, but not everyone has the qualities and luck of Cinderella......

If it's just a simple weekday to buy clothes and bags, buy a mobile phone and buy a computer or something, it seems that there is still a lot of difference between hundreds of thousands.

But......

There are really a lot of routines in society now.

Driven by the idea of both internal and external training, dare to invest in yourself, in order to become a winner in life, this idea is the most conspicuous trend of training loans and plastic surgery loans, I don't know how many people have fallen into such a pit.

The cost of some training institutions and cosmetic surgery institutions is quite not low, and the slogan of zero tuition admission and surgery really attracts many people, but can this set be really affordable after the end?

This is really a question mark.

Young people who are accustomed to 'talking about it when it's cool' and 'real-time feedback on desire satisfaction', of course, there are some people who really spend their money on the blade, but this knife may be a scalpel.

Ye Zhi has the heart to control, but he is also powerless.

What he built was a platform where merchants were promoting, and he was supposed to support it, but some people ...... That's real mud that can't hold up to the wall.

Spread on the sofa and sigh that the world is not worth it, the joy of this moment, but it will definitely face next month's bill.

Truly.

At the moment of payment, the moment of receiving the express, and the moment of unpacking, people are cool.

Watching the flatbread of the bill being spread out in installments getting thinner and thinner, it didn't seem that there was much money in each installment, but I didn't think about it, and unconsciously, after 'confirming the payment' again and again, I spread a mille-feuille.

Before you know it, you're already in debt.

Especially young girls have a strong desire to consume, and they will easily take the bait, some of Shen Lu's classmates have fallen into this quagmire, ants can't borrow it, aren't there other apps, interest or something, in front of the things you want to buy, the balance in your heart doesn't shake at all and tilts directly.

"Alas, headache......"

Thinking of these problems, Ye Zhi said that he was really powerless, he could help for a while, but he couldn't help for a lifetime, the money owed had to be repaid after all, and if he committed suicide, he would naturally be a hundred, and the money would not have to be repaid, but ......

White-haired people send black-haired people, how many families can afford it?

He is saying this here, in fact, to warn those who are stupid to borrow online, to sound the alarm bell for them, money is a good thing, everyone wants it......

But this good thing can sometimes become a life-threatening charm.

Human desires are endless, and if you don't know moderation, you will one day be destroyed by desires, but now these people who shout 'buy early, enjoy early', they don't seem to realize it.

There are even many people complaining on the Internet that the borrowing conditions of ant borrowing are becoming more and more harsh.

However......

They don't seem to figure it out that the harsh borrowing conditions are only relative, as long as the individual's credit is high enough, the borrowing is not harsh, and the harshness is only for those users who may have credit risk.

Why is it difficult to borrow, don't you have a little pressure in your heart?

Basically, they have borrowed money before or Huabei or something, and there is no problem with normal borrowing.

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