Under the general trend, it is because we have not received this kind of education. To put it simply, we know that loans are very dangerous, but we don't know how dangerous they are. Moreover, the education from childhood is to tell us not to touch them, and take some stupid examples, such as who borrowed how much money and how to give it. After listening to many stories, all I have left is an idea that I won't borrow so much money. It's gone.
No one systematically and seriously tells us the harm, just like the blank of sexual knowledge.
How do college students present their "advanced consumption"?
First, the biggest advantage of loans is that they are quick and convenient. Just give a few things and you'll get them in the next few minutes.
Second, their interest in publicity is very low, which is basically negligible. For those of us who are not deeply involved in the world, we simply don't consider the trap behind. When using money, we are easy to trust people and borrow money.
Third, the growing desire and the inequality of living expenses, compared with universities, most people may not have been out of their own towns some time ago. They run at home and school every day and have fun in only a few places. More times, they get tired, and it doesn't cost much at all. College is different. First, nobody cares about you. The place may be bigger, there are more people in contact, and the lifestyle is changing. It is normal to eat out for three days and go clubbing for six days. But the cost of living is so much that it is not enough for consumption. Moreover, after ordinary people have enjoyed it, it is impossible to return to the original simple life. Therefore, in the absence of income, microfinance has become a better means.
What is affecting their consumption concept?
First, the development of information and the propaganda concept of merchants. The development of information is easy to understand, because with a mobile phone, you can receive all kinds of news anytime and anywhere and know a lot of things. In order to catch consumers, merchants try their best to attract consumers, which is easy for college students who are not deeply involved in the world to be tempted.
Second, the change of life naturally brings more desires, such as the pursuit of beauty, such as deliberate integration into the environment, such as the yearning for a better life. As long as people have a strong desire for something, they will try their best to get it.
Third, because of the low interest rate of small loans and the long term, the average daily money seems to be really small, scary, deceptive and easy to fall in.
Why do all kinds of "campus loans" become "campus public hazards"?
The original birth of the loan is to take the future money and make a breakthrough in your present life. For example, in ancient times, the loan was to buy more seeds for farming in the coming year or to open another restaurant.
From this, we can find that the money from the loan can be exchanged with great certainty in the future, because its use can be linked to the return on capital.
And college students' loans are very easy to make a living. The key is that college students basically have no repayment ability, so there are so many things.