Although the monthly fixed debt reached 7,000 yuan, on Valentine's Day just past, Wei Yao gave her boyfriend a game machine worth 2,000 yuan, and "it was overdrawn with a credit card".
For this post-90 s generation, "ahead of consumption" is an important part of daily life. "Basically, this month's income is spent on the next month." Sometimes she will take the initiative to explain her "consumption view" when she encounters eyes that she can't understand. "Happiness is the most important thing. Now there are so many lending platforms, buy them first and then pay them back slowly. "
Happy to happy, Wei Yao also paid the price for "spending ahead of time"-working for three years, not only left no deposit, but also owed a lot of debts.
With the post-80s and post-90s becoming the main force in the consumer market, the consumption pattern of "buy this month and pay it back next month" is nothing new. Not long ago, the "20 18 China Consumer Credit Market Research" published by China Institute of Economic Thought and Practice in Tsinghua University showed that by 20 18 10, the scale of China's consumer finance had reached 8.45 trillion yuan.
These credit products, which usually have a maturity of less than 1 year, are mainly used to buy daily necessities, clothes, electronic products and pay rent. The users are undoubtedly young people who are keen on "spending ahead of time".
Liu, an associate professor at the School of Journalism and Communication, Lanzhou University, who has been studying consumer culture for a long time, believes that under the influence of western consumer culture, domestic industrial structure and economic development, young people show new characteristics of consumer culture, such as ahead of consumption, attaching importance to personal pleasure and experience, and "not caring about eternity, only caring about what they have now".
Spend money to become a number "addition and subtraction"
After receiving the annual bill of Alipay 20 18, Zhao Xin, who is engaged in the game industry, was really shocked. In the past year, his spending on Alipay reached 80,000 yuan, ahead of 96% of his peers. With the help of 2 18 takeaway, his food consumption exceeded 20,000 yuan, followed by transportation, culture, education and entertainment, totaling more than 30,000 yuan. ...
"It does not include consumption and offline expenses on other platforms." In the circle of friends, Zhao Xin laughed at herself that she had achieved a "Bill-style well-off". Obviously poor and struggling, there are tens of thousands of yuan in the bill. On the other hand, I also know that my monthly income of 8,000 yuan after tax can hardly support my current "luxury" lifestyle.
"At least 90% is paid through' ant flower buds'." Like Wei Yao, Zhao Xin has to pay for "dunning bills" ranging from several thousand yuan to ten thousand yuan on the 9th of each month. "I am a wage transfer station and often run from our boss's pocket to another boss's pocket when the payment is not hot."
Since her sophomore year, Zhao Xin has started a "flower garden" business. When he first showed the merchant the payment code, he was a little embarrassed and thought it was "a sign of no money." But now, Zhao Xin has long been used to this kind of consumption, and the amount spent has also increased from the initial 3000 yuan to 1000 yuan.
At the same time, Zhao Xin's consumption concept has quietly changed. "You should hesitate to buy something a little more expensive. But now, as long as you look at your eyes, no matter how much you spend, you will place an order. "
However, Zhao Xin still regards the flower buds as the first choice for payment, and has opened a small function of confidentiality. After 90, more than100000 people made the same choice. According to the Report on Young People's Consumption and Life released by Alipay 20 17, after 65.438+70 billion 90, more than 45 million people have opened ant flower beds, and nearly 40% of users will choose flower beds as their first choice for payment.
I am responsible for my own consumption?
Advanced consumption by means of flowers, loans, white bars, etc. is only one of many consumption concepts at present, but young people choose advanced consumption for different reasons.
Li Tian, who works in a media company in Beijing, believes that "spending in advance" avoids the embarrassment of borrowing money from relatives and friends to a certain extent.
"When I first joined the work, the internship salary can only solve the problem of food and clothing, but there are many expenses in Beijing, such as renting a house, buying daily necessities, and personal contacts between colleagues and friends." Touching the withered wallet, Li Tian defined "ahead of consumption" as a "life-saving straw" to protect personal life.
However, as the post turned positive and the salary was raised, Li Tian took the initiative to reduce his credit limit. "On the one hand, I am worried that I have forgotten to repay or can't repay in time, so that small money becomes big money; On the other hand, I want to curb my desire to spend money. "
Contrary to Li Tian's choice, Zhang Xinyue, a girl from Zhejiang Province, has repeatedly raised her credit limit, "spending with loans and buying time deposits, funds and gold with her own income." After three years of graduate school, Zhang Xinyue saved 60,000 yuan through credit card investment and financial management.
Compared with Li Tian and Zhang Xinyue, most young people still show too much dependence on the consumption pattern of "buy this month and pay it back next month", and even ridicule "self-help consumption" and "helping the poor with bills".
College students are an important part of it. According to the "20 18 Insight Report on College Students' Consumption" released by iResearch, the daily disposable amount of college students is 1405 yuan, of which 593 yuan is unnecessary expenditure, which is mainly used for personal social entertainment, snacks and drinks, shoes and hats, skin care and make-up. A strong sense of consumption in advance, 50.7% of college students have used staging products.
Zhang Shuo, who is still a junior, often regrets his "ahead of consumption" behavior. Last year, she spent two months of living expenses overnight. Finally recovered from the state of "eating dirt", because the beauty blogger bought a few lipsticks in one breath with the phrase "This color looks good".
Just as young people keep refreshing their spending quota for beautiful skin and interesting souls, everyone's ability to fulfill their obligations on time has declined.
In the two data released by Alipay and Tencent, we may get a glimpse. In 20 17, AliPay released the report on young people's consumption and life, pointing out that 99% of the post-90s generation can repay their debts on time. However, in June of this year, 5438+ 10, only 6 1% of the "20 18 annual wechat repayment bill" released by Tencent kept the habit of repayment on time.
There is an undercurrent behind the sweetness.
Failure to repay will bring certain risks. In the past three years, Wang Qi, a young man from Gansu, has changed from an ambitious entrepreneurial youth to a person who has been "tied up" by spending in advance, and once thought about suicide because of seven overdue credit cards.
At the beginning, credit cards became a financial management tool in Wang Qi by playing time difference. He also developed some skills to increase the credit limit. "Each card is guaranteed by 20%, increasing the frequency of use and brushing some virtual consumption abroad."
But some risks are unknown. At the end of 20 16, Wang Qi failed to start a business. In order to return to his capital, he has set up four credit cards and invested by cashing in.
However, Wang Qi's self-confidence did not bring good luck. The credit card capital chain was once broken, with late fees, interest, over-limit fees and bad credit records, which made Wang Qi's life completely "chaotic". At the most difficult time, he worked five jobs a day and couldn't sleep until two or three in the morning.
"Credit cards do have a chance to be repaid, but only about 65,438+00% people will benefit from this venture capital." A financial intermediary who has worked for three years said that he would handle about 300 loans every month, and 70% of the clients were between the ages of 25 and 40.
At this time, in order to meet the young people's fast-growing consumption desire and the hot market ahead of consumption, some genuine loan products began to appear on the market, which penetrated into all aspects of young people's lives with various marketing methods.
"My credit score is 550, and I can borrow 40,000 yuan, interest-free for 30 days." In an advertisement of a lending platform, a boy of about 20 years old waved his mobile phone to show off to his friends. "Wow, my credit score is 600, and I can borrow 65,438+10,000 yuan!" Another young girl jumped up excitedly when she saw her loan amount and invited her friends from the same industry to try it together.
Behind every "dessert", there may be an abyss of desire.
There are many demands for advanced consumption, including a financial platform to ensure advanced consumption and a promotion channel that can be reached in a little bit. On the surface, today's society seems to have created a consumer market with strong kinetic energy, and advanced consumption has also sought a "dividend" for young people.
"Information intermediaries in P2P lending often carry out strong marketing, high-frequency and high-density publicity because of expanding traffic and obtaining user needs. Cui Chen, a lawyer of Beijing Dacheng (Shenzhen) Law Firm, pointed out that according to the ongoing verification and rectification of the online lending platform, the publicity of the online lending platform should at least not promise the future effect, income or relevant situation, exaggerate or unilaterally publicize investment and wealth management products, or quote untrue, inaccurate or unverified data and materials, and the words "the fastest account can be obtained" and "the interest is low" are suspected of violating the rules.
Ye, a law teacher and practicing lawyer of South China University of Technology, compared the behavior of financial companies pushing lending platforms with the help of Internet platforms to "economic opium" that lured young people to spend in advance.
He said that the result of similar information bombing according to the "information waterfall effect" will lead the audience to accept this information irrationally and make irrational decisions. "The law does not explicitly prohibit it, but from the perspective of social responsibility, unilaterally encouraging young people who are insolvent to borrow money has business ethics problems."
However, according to Liu, an associate professor at the School of Journalism and Communication of Lanzhou University, advanced consumption itself is only a form of consumption, which is not only influenced by advertising, public relations and media, but also closely related to the material, institutional and conceptual levels of society. "The emergence of some consumption traps is precisely due to the lack of suitable consumer products in the material layer and effective supervision in the institutional layer, as well as the blind pursuit of individuals beyond their own abilities in this materialistic society, coupled with the comprehensive impact of the external environment advocating the wrong concept of' omnipotent'."
He emphasized that the youth group is in a relatively unstable stage of life. If some businesses chase and dig the "human desire", constantly awaken the "evil of human nature" through psychological tools, and stimulate consumption desire, it will induce the public to form an unreasonable and unhealthy consumption view, and eventually lead some young people to fall into the pursuit of advanced consumption and excessive consumption, leading to "routine loans", hurting personal reputation, causing family relations to break down, personal studies, studies and other problems.
Regarding how to avoid these risks, Liu believes that the society should create more conditions for the youth groups to upgrade their consumption, and make clear the types and boundaries of consumption and the possible consequences of excessive consumption in advance through education and notification, so that everyone can find a rational balance between satisfying survival, service development and reasonable enjoyment.