Second, we understand that the increase of debtors will directly lead to the increase of untrustworthy people, who account for 7% of the national population, far exceeding 1 100 million people. The national courts have issued a total of13.79 million people who have been executed without trust, which has become a serious social problem and will affect hundreds of millions of families. With the government's policy of enforcing faithless people, more faithless people will have a vicious circle, old faithless people will not be able to go ashore, and new faithless people will appear again.
Third, according to the final statistics, there are currently 600 million people in debt and 654.38 billion people have broken their promises in our country, and these figures are still growing exponentially. What a terrible number, more and more people are in debt and untrustworthy. Many people have become untrustworthy, unable to make money, and have no environment to make money. In a forced environment, they will take risks and take risks.
To sum up, the army of debt and the army of dishonesty have become social problems, and the social reasons that lead to most people's debt are mainly concentrated in the financial field. How to improve the financial industry and standardize private lending behavior, the state is bound to introduce new legislative protection and effective policies, and the corresponding legislative system and financial system will be further improved. If you just owe money, you can try to pay it back slowly, but the problem now is that many people who owe money have been forced to have nothing, and many people have embarked on the road of crime. Let's talk about a real case. In a rural family in Yunnan, that person became the only college student in the village through his own efforts. After he went to college, he worked hard, joined the student union and was also the monitor. He thought his life would be smooth sailing, but he didn't expect to be exposed to routine loans in his sophomore year. At first, it was just because the living expenses were not enough. Because he is from the countryside and doesn't have much money at home, he borrowed online loans and pondered for himself. It is impossible to repay the loan after the maturity, and the platform suggests to continue to borrow from other platforms. In just one year, the debt has rolled to hundreds of thousands.
Finally, I couldn't bear it and confessed to my parents. My parents lent him more than 100 thousand in the bank with rural homestead and paid some usury. The rest is really helpless. Finally, these endless collections began to harass his relatives and friends, as well as the school, so that everyone knew what he owed, and he had to drop out of school himself.
After dropping out of school, he can't go back to the countryside because he must be pointed at and his parents can't stand the pressure. Finally, in order to make money, he was targeted by criminals and transported drugs, thinking that he could pay off his debts without being arrested several times. I didn't expect to be caught for the first time and sentenced to life imprisonment.
Why does a diligent college student embark on the road of crime because of debt? The reason is that the income is too hard, and all the good students he has established at home since childhood are ruined. Parents, relatives and his classmates all think that he must have been drinking and gambling, because these collections also say so, and his face has disappeared.
And people living in this world, if they have no dependence and no one believes them, then they will naturally embark on the road of breaking the law and committing crimes, because they feel that no one cares about them. Why not commit crimes and make some money? If they have money, they can hold their heads high and turn over. If they have no money, they might as well go to jail. It is this idea that has led many people in debt to commit crimes.
Although this case was caused by routine loans, in fact, many people caused the same problem because of debts such as online loans and credit cards. Some people collect malicious address books, leaving no time for debtors to make money. They just want to kill them with all their heart, and it turns out that many people commit suicide because they can't bear this kind of torture, and some people go on the road of breaking the law because they can't bear this kind of pressure.
Therefore, debt itself is not terrible. The key is how our financial institutions treat this debt. If we continue to collect violence, it will cause more and more serious problems. This is not an alarmist, but something that really happened. A society with a conscience should give anyone a chance to struggle, not kill others because of debts.
Survival? Or destruction? This is a problem! National debt is not terrible, I'm afraid there will be a subprime mortgage crisis! If too many people collapse in debt, it may cause social unrest and the crime rate will definitely rise!
Everyone has no money, is heavily in debt and has no ability to make money. How to survive and how to live is sure that many people will use their brains to make crooked ways. After all, the most profitable and profitable ways are written in the Constitution! If you want to get rid of poverty and pay your debts, someone must be desperate for money!
Credit was the cheapest thing at that time. In order to survive, who cares if it is overdue and who will stare at the credit report?
Therefore, we must control the pace of debt, make steady progress and develop slowly. Everything is to settle debts and turn national debt into an era of national savings.
This is inevitable. In such a bad environment, the crime rate is bound to rise. Collection and personal pressure are great. The epidemic situation in special environment has not been completely eliminated, which is unfavorable to the economic situation.
With the deadlock in Sino-US relations and the escalation of the trade war, the originally broken economic situation is bound to get worse. Taking the foreign trade factories in the coastal areas of the Pearl River Delta as an example, the pressure on orders has risen sharply, and the transformation of foreign trade is not so simple. How to save money or pay off debts when you are poor? Anyway, high debts will only increase uncertainties. If the pressure continues to increase, the consequences will be unimaginable. ...
If you can't repay your debt, the central bank will put the debtor on the untrustworthy list. If the situation is serious, it may be branded as Lao Lai by the court, which will affect individuals and families. Below I list five consequences of national debt.
(1), the debtor is under too much pressure and has too much backlog. If you let them out when a person can't stand it, who knows what they will do that is illegal and harmful? There are too many such people, which is very unfavorable to social stability!
(2) Due to the high debt ratio and insufficient follow-up consumption of residents, China's overall consumption capacity has declined. However, if the structural imbalance of the economy has not been resolved, it will lead to weak economic recovery, immediately reduce residents' income, further oppress residents' spending power, and form a vicious circle.
(3), national debt will lead to the constraints of national monetary policy. When the overall social debt is too high, raising interest rates will increase the burden of residents' consumption expenditure. Policymakers should consider whether all levels of a highly indebted society can afford to raise interest rates. If the interest rate is raised rashly, it is likely to lead to an increase in the number of people who abandon their houses and cut off their supply. But if inflation is too high, not raising interest rates will be in a dilemma.
(4) For residents, having a debt means that their disposable income has also decreased. With less money in hand, once major consumption expenses such as unexpected risks or diseases occur, it will cause a great burden to the whole family and it will be impossible to face the risks better.
(5) The high debt ratio will make the post-80s, post-90s and post-90s buyers suffer from high housing prices, and they dare not jump ship at will, start businesses, realize their dreams, get married and have children. The high debt ratio undoubtedly limits the life development space of young people. For example, under high debt ratio, a large number of mortgages have to be repaid every month. Young people not only lost their dream of starting a business, but also didn't have the courage to resign and change their working environment.
The debt of 780 million people in China is 200,000 per capita. The word debt was rarely heard in previous years. In recent years, due to the impact of the big market and the Internet, many people have lost their business and jobs, and the family capital chain has broken, which directly led to a series of reactions. ...
The influence of the Internet is to make goods more transparent, and enterprises will reduce costs and form vicious competition without profit. The consequences can be imagined, such as the closure of enterprises and the layoffs of employees. The epidemic has made physical stores worse, with 20.2 million businesses closed and many people struggling. It's only a matter of time before they get into debt. ...
National debt and national credit reporting are really on the way. In recent years, loan sharks have been lying down to make money. Many people blindly invest in stocks, funds and P2P, losing all their money, resulting in heavy debts. Usury is also the chief culprit that leads to many people's debts, and it is also the most important "murderer" that leads to criminal cases, including 654.38+0.5 million untrustworthy people, most of whom are forced by usury, including jumping off buildings, and violent collection for debt collection leads to criminal cases everywhere!
I think natural and man-made disasters are beyond our control. For example, there is nothing anyone can do about COVID-19's influence. It is a man-made problem, such as online lending and usury, which is a social cancer. It is also the chief culprit leading to national debt and criminal cases. Only by giving full play to the advantages of our people's hard work and getting rich is the key! Just like the new criminal law "Crime of illegally absorbing public deposits" and "Personal Bankruptcy Law" promulgated by the state this year, it is very timely and effective. Finally, I hope each of us is getting better and better! The country is getting better and better!
Credit cards and online loans have become more terrible than vampires. If the country still listens to those so-called experts and continues to make a fuss about credit reporting, the consequences will be unimaginable.
Treasury bonds are those who buy cars and houses by stages. When the inflation rate is not too high, people will try their best to repay their loans. In fact, this is also the reason why house prices only rise but not fall.
Imagine that you spent 6.5438+0 million yuan to buy a house or a car, and you can repay the loan every month in 65438+00. Because the house is your property, you owe the bank 700 thousand. When you sell the house (the current price is 654.38+0.2 million), you can pay off the loan, but when the house falls to 500,000, you still owe the bank 700,000. You'd rather. Once the price falls below the limit, a large number of people will not repay the loan and send the house to the bank, and the bank will fail at a loss and the homeowner will become a blacklist of default. Homeowners are subject to various restrictions, unable to continue to make more money, banks are unable to support them, and houses become a hot potato, forming a vicious circle and triggering an economic crisis. This is how the subprime mortgage crisis in the United States happened. Therefore, the national debt is an economic bubble blown up by the financial and credit industry, which looks prosperous and hides the hidden dangers of the economic crisis. If the loan is not paid, it will turn into a large number of economic crimes, so the house price will not plummet, and stability will prevail. When this process continues for several years, with the increase of production capacity and material wealth, most bubbles will be diluted. As long as the house price is not high, the bubble will be diluted forever, and eventually inflation will be stable and excessive, thus avoiding the economic crisis.
I am a loan agent, so I will tell you what I know. These days, loan intermediaries are particularly difficult to do. Why? It has expired for too long! Affected by the epidemic, the overdue rate is particularly high this year, and some people have already taken the expressway. However, due to the economic downturn, countries have to issue a large number of loans to help the development of the real economy, which has now formed a vicious circle.
With the rapid economic development, the country has to go into debt, and large-scale infrastructure projects and local governments need loans for infrastructure construction, as well as personal housing loans and personal consumption loans, all of which are overdrawn. Just like a patient who has taken a cardiotonic, if he can't recover, he will overdraw his life.
Whether the national debt has sequelae depends on the healthy development of the national economy. At present, the crime rate should not rise, because the national economy is recovering steadily, and people still have hope. Therefore, we should support the country's development and not add chaos to the country. When the economy recovers, our debt ratio will also drop. Personal views are for reference only.
If everyone is in debt, the problem will be very serious! It's not just the rising crime rate. The most serious problem is that there will be a comprehensive systemic financial risk! If finance is in danger, it will soon spread to the real economy, followed by people's panic and anxiety, bank runs, social unrest and even violent incidents! In this regard, the United States is the most typical example! In the 1930s, the Great Crisis and the Great Depression led to the closure of more than one-third of American factories, unemployment of workers, and the decline of trade by more than half! It has spread to all capitalist countries in the world, and some countries even embarked on the road of foreign aggression and expansion because of their fragile economic foundation!
What caused the great economic crisis in the 1930s, including the global financial turmoil triggered by the US subprime mortgage crisis in 2007? It seems very complicated, but it is actually very simple, that is, unrestrained personal mortgage consumption. Banks stimulate residents' loan consumption for the purpose of profit, and the loan threshold is extremely low. Anyone can get loans, mortgages, car loans and travel loans. Today they spend tomorrow's money, and now they spend future money, which has become the mainstream consumption concept!
On the surface, the national economy is very prosperous, and the consumption of ten shares is strong, but the consumption power brought by loans cannot last long! The bubble is blowing bigger and bigger until one day it bursts! Fortunately, China is a socialist country, the banks are basically state-owned banks, and the audit of residents' loans is also strict. In addition, China people's traditional concept of financial management is to pay more attention to savings than loans, so there is little possibility of major financial risks.
However, in recent years, due to the high housing prices and the change of young people's consumption concept, the debt ratio of China people is indeed rising rapidly, which should be highly valued by relevant departments. In addition, young people's consumption concept should be as conservative as possible, adhere to the principle of living within our means, and inherit the excellent financial management concept in China traditional culture.