Imperfect Entertainer

The balance of short-term consumer loans of Chinese and American residents is very close to the current year's consumption expenditure. It is indeed a good thing for the market that young people dare to spend money. economic power is left behind.

Gradually, he became an old Lai.

Ant Zaibai also has a complete set of credit mechanism deterrents, but there are occasional cases where college students are unable to repay their loans. Character.

force!

So there have actually been several incidents of college graduates committing suicide because they were unable to repay their loans.

It has to be said that it is really a tragedy of the times.

The vanity has swelled far beyond my own financial strength. I only feel excited when I buy, buy, and buy, but when I look back, I am extremely powerless in the face of huge debts. not on...

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 these convenient loan mechanisms have harmed them, but what really destroys them is always their unsatisfied greed, which is actually not much different from gambling. difference.

So recently Ye Zhi is also weighing the importance of borrowing convenience and personal credibility.

If a person does not even have the most basic ability to repay the loan, then it is not a loan, it is playing tricks, no matter how much money they have, it is not enough for them to squander.

So far, there have been more than a hundred college graduates who have borrowed tens of thousands of yuan from Ant Zaibei and have not paid back the money due.

And these people...

In fact, there has been a certain stain on their reputation, especially they don't know it. Although Alipay will remind them in the app, their eyes seem to be blinded and they can't see it at all.

Ye Zhi is also very troubled by this, but he can't kill everyone with one shot. How to distinguish this kind of people who have no self-control in consumption?

So far, there is no particularly good way. Because they were actually new users before that,

There really isn't any 'criminal record' recorded, and we only find out after it's done.

In view of the conservative consumption concepts of the older generation, they have been infiltrated by consumerism for a long time, and the younger generation, who are more and more daring to spend money, has become the main force in this catch-up developed country.

like some...

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

Buy early and enjoy early.

The dress I liked at the age of 20 is meaningless to wear at the age of 40.

This type of concept has gradually been accepted by some people. It is precisely because these words continue to stimulate the consumption nerves of the post-90s generation, so the hands that are chopped off grow back again and again.

This is definitely not a good thing.

At present, Zhixin Technology’s overdue and uncollected funds on Zaibei are as high as more than 6 million. Strength support cannot be borrowed too much.

But……

There is such a person, Ant Borrower borrows a little, and other apps borrow a little.

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

If you just buy clothes and bags on weekdays, buy mobile phones and computers, it seems that there is a lot less than hundreds of thousands.

But……

There are really many routines in society now.

Only by cultivating internally and externally, and daring to invest in yourself, can you become a winner in life. Driven by this kind of thinking, the continuous popularity of training loans and plastic surgery loans is the most conspicuous. I don’t know how many people have fallen into such a trap.

The fees of some training institutions and plastic surgery institutions are not low. The slogan of zero tuition fees for admission and surgery has really attracted many people, but after this set is over, can it really be affordable?

This is really a question mark.

Young people who are accustomed to let's talk when you're happy and real-time feedback ** satisfaction, of course, some people really spend their money on the blade, but this knife may be a scalpel.

Ye Zhi wanted to control, but he also wanted to be powerless.

What he built was a platform, and merchants promoted promotions. He should have supported it, but some people...that's really mud that can't support the wall.

Spreading out on the sofa, feeling that the world is not worth it, the joy of this moment will inevitably face the next month's bill.

indeed.

At the moment of paying, the moment of receiving the express delivery, and the moment of unpacking, people are happy.

Looking at the big pie of the bill being spread out in installments, it seems that there is not much money in each installment, but I didn't think about it. Unknowingly, after 'confirming the payment' again and again, I spread out a piece of cake.

Before I knew it, I was already heavily in debt.

Especially young girls have a strong desire to spend, and they will be hooked easily. Some of Shen Lu's classmates have already fallen into this quagmire. Ants can't borrow it. Isn't there other apps, interest or something? Yes, in front of the things you want to buy, the balance in your heart tilts without shaking at all.

Oh, my head hurts...

Thinking of these problems, Ye Zhi said that he was really powerless. He could help for a while, but he couldn't help forever. The money he owed would have to be paid back after all. Naturally, it would be settled if he committed suicide, and he didn't have to pay back the money, but...

How many families can afford a white-haired person to send a black-haired person?

What he said here is actually to warn those stupid people who borrow money online, and to sound the alarm for them. Money is a good thing, and everyone wants it...

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

Human desires are endless, if you don’t know how to restrain yourself, you will be destroyed by desire one day, it’s just that these people who are shouting ‘buy early and enjoy early’ don’t seem to realize this.

There are even many people complaining on the Internet that the borrowing conditions of ants are getting more and more stringent.

However……

They don't seem to understand that harsh borrowing conditions are only relatively speaking. As long as the personal credit is high enough, borrowing is not harsh, and the harshness is only for those users who may have credit risks.

Why is it difficult to borrow money? Don't you have a clue in your heart?

Basically, all of them have overdue records of borrowing or Huabei before. Others have a lower amount at most, and there is no problem with normal borrowing.