With the development of social economy, the gap between the rich and the poor has begun to widen, and the rich or high-income groups naturally do not have to live in debt. I sorted out why people have no money this year. Welcome to learn from it.
Why don't people have money this year
The market is so big that if you earn, he will lose. This is a very realistic problem, whether it is job competition or market competition. This year, the market in all walks of life is generally bad. This is a practical problem. The reason is that the people have little money and can't spend any more. In addition, a new generation of businessmen have seized the market of the old group of businessmen. Naturally, this loss mode will appear soon. This is a turning point.
First of all, people have no money, which is a very realistic problem. Now, if you ask anyone, you know that they either have no money to buy a house, or they have carried all kinds of loans, such as housing loans, car loans and entrepreneurship loans. In addition, there are many places to spend money, such as children's education, family expenditure and health care.
The information of today's society is becoming more and more transparent. In the early years, you couldn't earn it. Now most of them can only be migrant workers. It's OK in the first tier cities, and the general salary in the second tier cities is no more than 5000. But looking at the price, it's very economical to save one or two thousand a month. In fact, look at those who do business. With the emergence of e-commerce as a new sales model and the emergence of takeout, it is actually difficult for businesses specializing in physical stores to make money.
Of course, this is an inevitable phenomenon. The online sales model has gradually begun to eliminate the physical industry on a large scale. The channel sales mode of the old batch of industries will also be broken. The performance of small enterprises and factories that have not had time to change will be directly hit. In fact, we can see that a large number of shops and small factories are closed. Undoubtedly, this is a huge turning point. When people spend their savings, many people who do not enter new industries may be eliminated, and there will be more and more people who have no money and nothing to do.
The reason why many people have no money
First, the rise of the concept of early consumption. With the development of social economy, the gap between the rich and the poor has begun to widen, and the rich or high-income groups naturally do not have to live in debt. However, many people with low income and average family can only realize their consumption dreams through debt if they want to compete with the rich families.
At the same time, the concept of advanced consumption in western society has also been introduced into China, and many young people have gradually lived a life of high debt. With the rise of e-commerce platforms, the key is not to have cash payment as in the past. Often, within a few days of receiving the salary, online shopping is completely exhausted, so we can only live by credit card overdraft or other borrowing methods.
Second, high house prices put great pressure on housing loans, mainly the post-80s group. Originally, the post-80s group had a good life, but they had to buy a house, get married and repay the loan every month, which made the post-80s group out of breath. Half of the monthly income has paid off the mortgage, and the rest of the salary can only maintain a basic life. Not to mention that there are deposits in the bank, it is very rare to even have a meal in a restaurant. The post-80s group is the main force of housing loans owed to banks.
Third, in the past, when people wanted to borrow money, they didn't know where to borrow it. Now there are too many channels for residents to borrow money. Both credit cards can be used for overdraft consumption, as well as online lending platforms such as Huabai and Jingdong Baitiao. There are also numerous offline microfinance and mortgage financial institutions. The main reason for the rising leverage ratio of Chinese people in recent years is that there are channels to borrow money.