Knock knock knock ......There was a sharp knock on the door. "Hello, who is it? "When will your debt be paid off?" "Do you want me to tell everyone about the money you owe?" ”
I need time and I'll definitely pay it back. "I've given you plenty of time, and if you don't pay it back, be careful of your safety. Knock knock knock ......As the knock faded away, she stared out the window, her heart filled with yearning for the outside world.
In a middle school in Zhuhai, ** broke into the door and found a woman suspected of suicide in the room. After investigation, the truth was finally revealed. In this small world, a girl named Xiao Chen is transferred to a class that is not suitable for her age.
Xiao Chen originally lived in a happy family, and his mother, Ms. Wu, lived in harmony with his father, Mr. Chen. They met through a family introduction and fell in love at first sight.
Ms. Wu was attracted by Mr. Chen's young and handsome appearance, while Mr. Chen was impressed by Ms. Wu's generosity and kindness. The two quickly entered the palace of marriage. After getting married, Ms. Wu gave up her job to focus on becoming a good wife and mother, while Mr. Chen also worked harder to achieve his dream of a family.
Their little family was full of sweetness and happiness, and soon welcomed a newborn. The couple had been looking forward to the birth of their newborn and the joy they felt when they saw the baby.
In Ms. Wu's life, bringing a baby has become an unavoidable task for her. Perhaps it was because she was so engrossed in her children that she was unaware of her husband's unusual behavior.
It wasn't until one day, when she learned about her husband's fault from a friend, that Ms. Wu made up her mind to divorce her husband. She took on the burden of taking care of her in-laws and children alone, while her husband did not cherish her kindness and made a big mistake that cannot be forgiven.
Despite the heartache, Ms. Wu chose to cut ties with him. Her daughter, Xiao Chen, was raised by herself since she was a child. As a father, Mr. Chen did not accompany his daughter to grow up, so Xiao Chen's custody naturally belongs to Ms. Wu.
After the divorce, Ms. Wu left the sad place with her daughter and came to Zhuhai to join relatives. With the help of relatives, Xiao Chen successfully entered a middle school in Zhuhai, and Ms. Wu found a new job.
The mother and daughter relied on each other for their lives and started a new life.
Xiao Chen is a special child, he is a transfer student in the class, and he comes from a single-parent family, which makes him rarely participate in group activities, and at the same time he also seems to have low self-esteem.
When other children were picked up by their parents and enjoyed the care of their parents, Xiao Chen could only walk home alone. When other children receive the love and love made by their parents, Xiao Chen can only eat the meals prepared for him by his mother.
When other children were treated unfairly, they had the support and help of their parents, but Xiao Chen chose to bear it alone because he was afraid that his mother would worry. Xiao Chen's life is full of challenges and difficulties, and his world always seems to be shrouded in a layer of gray.
Due to his special personality, his classmates all saw him as a withdrawn person, which made it difficult for him to make friends at school. Xiao Chen's mother, Ms. Wu, began to enlighten and encourage her daughter after learning about these situations.
She knows very well that her daughter's withdrawn personality is not because she can't give her children good living conditions, but because she works too hard and doesn't have the time and energy to spend with her children.
In order to change this situation, Ms. Wu began to work hard in the hope of giving her children a better living environment. Xiao Chen, you are unique, although your life is full of challenges, but you have your mother, who will always be by your side to help you through difficult times.
Whether your sky is gray or clear, your mother will hold up a blue sky for you. As long as you have faith and courage, you will definitely be able to go out of your own way and find your own joy and happiness.
Under the guidance of his mother, Xiao Chen gradually became more cheerful and had the company of his friends. With their encouragement, Xiao Chen's performance has also improved significantly. With his mother's expectations and the expectations of his classmates, Xiao Chen was successfully admitted to his ideal university in the college entrance examination.
In his university life, Xiao Chen continued to study hard and made many friends at the same time. After graduating, with the help of the connections he made at university, Xiao Chen found a job as a paralegal and became a member of the Zhuhai office.
At this time, Xiao Chen cherished the dream of becoming an excellent lawyer, hoping to help people with legal problems. However, after a year of work, Xiao Chen discovered that the complexity and change of society were not as simple as she had imagined.
She used to be ignorant of society in college, but now she realizes in the world of flowers that the "charming eyes" mentioned by adults are not an exaggeration.
After entering the university, Xiao Chen, a college student, gradually lost interest in learning because of the bad learning atmosphere in the school. However, several of her good roommates encourage each other every day and study hard, which makes Xiao Chen regain her enthusiasm for learning.
She held all the necessary documents for entering the society in her hands early, and her academic performance was also very good. However, because he devoted all his energy to studying, Xiao Chen did not mix well in the small society of the university, and he did not have many close friends.
After receiving the offer, Xiao Chen's first step was to find a place to live. She found a lot of agents, looked at some houses, and finally found a rental house a little far away from the company, but the rent is relatively cheap.
Xiao Chen just moved his daily necessities into the rental room, and after simple repairs, he began to live there, cook, and commute to work.
Xiao Chen started her career in a law firm, although the position is not high, she is only a paralegal, but her job is very important and she needs to assist lawyers in preparing case materials.
This job gave Xiao Chen the opportunity to learn a lot of things that could not be learned in the classroom while being a lawyer, so she was very conscientious. For Xiao Chen, the profession of a lawyer is both glamorous and mysterious.
She was very envious to see that her lawyers and colleagues often wore luxury goods, drank expensive coffee, and went out to various high-end establishments. However, Xiao Chen, who was in the midst of everyone, didn't seem to have much in common with them except for the facts of the case, which made her feel very frustrated.
Although Xiao Chen in the unit is optimistic and cheerful, and seems to be the pistachio of her colleagues, no one knows the pressure and pain in her heart. There are some flaws in her original family, which makes her insecure enough since she was a child, and even if her mother gives her all her love, she can't make up for the lack of father's love.
Xiao Chen lacks self-confidence because of his body and always feels that his colleagues are laughing at him. But she's not actually fat, it's just that in this society where thinness is beauty, she always feels like she is being treated specially.
In order to better integrate into the environment and make herself more beautiful, more confident, and better, she began to take steps to change. She began to step into high-end establishments, try coffee that she originally found unpalatable, and buy all kinds of expensive bags, watches, necklaces, etc.
Even in order to pursue a healthier life, she bought an annual pass for the gym, bought a lot of fitness equipment according to the advice of professional trainers, and went shopping for luxury goods in major shopping malls with her little sisters.
When Xiao Chen bought the so-called "necessities", she was surprised to find that her colleagues' attitudes towards her had changed. The colleagues who were originally estranged began to become enthusiastic, and those who laughed at her behind her back began to care about her.
All these changes happened after Xiao Chen became "rich". However, as a paralegal, Xiao Chen's monthly salary is only 3,000 yuan, how can she frequently go to high-end places to "shop"?
By cashing out with a credit card, Xiao Chen solved this problem. Credit cards in China first appeared in 1985 and symbolize status and status. Cardholders can spend in advance, and the bank will also charge high interest.
Back then, it was hard to get a credit card, but now, almost every young person has one.
After Xiao Chen started using credit cards, early consumption and installment repayment became frequent. Her life changed. Previously, she only knew the quality of her clothes, but she didn't know the brands her colleagues were wearing.
She had been told"Clothes are expensive and clean, not expensive"But in the eyes of colleagues, this does not seem to be enough. For this reason, she walked into a high-end shopping mall for the first time, looked at a dazzling array of goods, and after seeing ** again, she was stunned, it turned out that she couldn't buy a bag with a month's salary.
But she was determined to change her image and gritted her teeth to buy her first luxury item. Since then, she has begun the pursuit of luxury. However, all this eventually led to the depletion of her savings, but she still couldn't resist the desire to buy luxury goods.
Xiao Chen is a prospective lawyer majoring in law and needs to take the subway to and from work every day. In the subway station, she is often recommended by bank staff to apply for a credit card.
Although Xiao Chen always declined politely before, since she started to make large purchases, she began to seriously consider the benefits of credit cards. She knows that even if the bank can't pay the money, the bank can only collect the debt under reasonable and legal circumstances, and will not threaten the borrower's personal safety to repay the money like those routine loans.
Therefore, Xiao Chen decided to apply for a credit card at the bank and went to the bank in person to submit the required procedures.
Xiao Chen works in a law firm, where he has a stable job but a low salary. So, she applied for a credit card to meet her daily expenses. However, due to her extravagance, the credit card line quickly ran out of money.
She also had to repay her credit card instalments every month, which forced her to seek more credit cards. She met her living needs by "tearing down the east wall and making up the west wall" between various banks, going back and forth on the installment date.
However, this is not decent. On May 28, 2019, Xiao Chen had not gone to work for several days, and the leaders of the office could not contact her.
But there was no response after knocking on the door.
With Ms. Wu's authorization, everyone broke down the door in the presence of the property security. As a result, they found that Xiao Chen's home had three burning charcoal basins, and Xiao Chen was lying on the bed in his pajamas, no longer breathing.
When the staff and security guards of the office confirmed that Xiao Chen had died, they immediately called the police to deal with it. The police soon arrived at the scene and began to investigate the cause of Xiao Chen's death. In order to find out the cause as soon as possible, the police decided to adopt a three-way investigation method.
First, they conducted routine questioning of Xiao Chen's mother, Ms. Wu. In Ms. Wu's eyes, Xiao Chen is an optimistic and kind person who has never held grudges with others. Although she and her husband divorced at an early age, which had a certain impact on Xiao Chen's childhood life, through her efforts, this scar has almost been healed.
According to Ms. Wu, because Xiao Chen worked in a law firm and the rented house was far away from the unit, she used all her savings for more than ten years to buy a house in downtown Zhuhai for Xiao Chen, and renovated it for Xiao Chen to move in.
Although there was a down payment on the house, because Xiao Chen's salary was not high, Ms. Wu was responsible for the monthly mortgage alone. Mother and daughter have been living together since buying the house.
Ms. Ng remembers that only once after she and her daughter traveled to Thailand together, her daughter often traveled back and forth to Macau alone, which made her a little worried about her daughter's expenses. However, because she doesn't gamble every time she goes, but just buys some luxury goods, Ms. Wu gradually relaxes.
Other than that, the daughter never had any abnormal behavior. She returned to her hometown half a month ago because she had something to deal with in her hometown. A few days ago, she also sent a WeChat message to her daughter to remind her to pay attention to the heavy rain, and her well-behaved daughter also replied to the message.
After questioning Ms. Wu, ** began to investigate Xiao Chen's network.
Under the investigation of **, Xiao Chen's interpersonal relationships are relatively simple, except for a few friends in college, most of the other friends are work colleagues. In their eyes, Xiao Chen is a very friendly and sociable person.
She often goes shopping with her friends and enjoys life. However, Xiao Chen's situation has become abnormal recently, her mobile phone cannot be reached, WeChat does not reply, and she does not appear at work for several days.
This made colleagues feel uneasy, and they contacted Xiao Chen's mother in time, only to find out Xiao Chen's death in the process. After conducting an in-depth investigation of the crime scene, ** found that there were no traces of outsiders intruding at the scene, the doors and windows were intact, and Xiao Chen's pajamas were intact, without any signs of coercion.
According to the three charcoal basins and the autopsy report of the medical examiner, the cause of Xiao Chen's death was carbon monoxide poisoning. Based on this evidence and clues at the scene, ** concluded that Xiao Chen committed suicide.
Ms. Wu could not accept why her daughter chose to commit suicide, and she began to sort through her daughter's belongings. However, to her surprise, Ms. Wu found that her daughter's phone card was missing, the files in the tablet were missing, and there were still a lot of unopened backpacks and shoes in the closet.
What made her even more puzzled was that she actually found 14 credit cards among the relics, each of which was overdrawn, and the total amount owed was as high as 870,000 yuan.
Ms. Ng decided to go to the bank to find out the details of the credit card and found that most of the purchases were bill instalments.
After Xiao Chen's death, Ms. Wu and Xiao Chen's colleagues both received debt collection for online loans**, and the other party asked Xiao Chen to repay the money in **. But after learning that Xiao Chen had passed away, the debt collector of the online loan also said that the money owed to the online loan did not need to be repaid.
Based on the mysterious disappearance of ** and the high credit card that Xiao Chen owed to the bank, her mother, Ms. Wu, speculated that Xiao Chen committed suicide by burning charcoal because he couldn't pay the money. In the end, she thought that Xiao Chen must have been harassed by the bank staff before, and there might even be the scene at the beginning of the article, which made her suffer serious psychological pressure, and finally chose to commit suicide.
Based on this tragedy, we have to think: why would someone choose to commit suicide because they can't pay the money? Every year, many young people across the country commit suicide because of debt.
In-depth analysis shows that the main reasons that lead them to choose suicide are as follows: First, unreasonable consumption patterns. For example, Xiao Chen, although her monthly salary is only 3,000 yuan, she buys a large number of goods beyond her economic ability in order to compare, which eventually leads to the rupture of the capital chain.
Second, lack of financial literacy and ability. Many people do not have good financial habits and do not have a good understanding of the processes and strategies for borrowing and repaying, which makes them unable to effectively manage and control their debts.
Finally, social pressure and psychological tolerance are low. Faced with debt problems, many people feel helpless and hopeless, unable to withstand the immense pressure, and thus choose to commit suicide.
We should take this issue seriously, improve the public's consumption and financial literacy, and at the same time pay attention to and help those who are struggling with debt stress to prevent similar tragedies from happening again.
Xiao Chen used to be a very pragmatic person, but with the arrival of various brand-name cosmetics, bags, shoes, etc.**, she gradually became a consumerist. She always asks herself, "Why do others have it and I don't?" ”
Under the influence of this kind of consumerism, people's living needs are no longer only satisfied with basic rice, flour, grain and oil, clothing, food, housing and transportation, but also the pursuit of enjoyment. However, many people have not yet reached their level of desire, and their ability to repay is not matched by their debts.
In addition, the lack of interconnection of bank lending information is also a problem. Xiao Chen, a law student, knew that the way banks were going to collect loans needed to be reasonable and legal, so she dared to borrow.
However, Xiao Chen's monthly salary is only 3,000 yuan, and even if her credit card limit is 5,000 or 10,000 yuan, she can afford to pay it back. But the reality is that she needs to go decades without food or drink to pay off the bank's 870,000 yuan in arrears.
This was due to the lack of interconnection of loan information between banks, which led to her obtaining credit cards at multiple banks, resulting in an apparent mismatch between her debt and her ability to repay.
The bank's mission is to make it easier for people to store and use their money. However, there is often a lack of information sharing between different banks, and risk management is sometimes neglected.
Every bank has the primary goal of making a profit, and credit cards are issued to help customers borrow and repay their loans in order to make more profits. All banks see this opportunity.
As a result, bank staff began to run around the streets, subway stations, and other places, and even launched a campaign to apply for credit cards and give gifts. Some banks or credit companies issue credit cards based solely on the applicant's place of work and residence, without considering whether they can afford to repay the loan or whether they already have a credit card with another bank.
Therefore, as long as a person has a stable job and lives locally, they can easily borrow 10,000 to 20,000 yuan from a bank.
In today's society, it's easy to borrow money. Whether it's at the bank or through a variety of software, it's easy to borrow money. However, such high borrowing also comes with risks.
Borrowing a high amount of money can lead to excessive debt stress and even suicide. In order to avoid such a tragedy, the interconnection of bank credit card lending information is an effective means of control.
At the same time, the promiscity of various lending software also makes people need to be cautious when choosing. Therefore, we should use lending services wisely to avoid falling into debt crisis. ”
This service is not free, and the other end will charge a fee of up to 10%. If you are a young person and need a large amount of money, borrowing in this way, then you may be burdened with tens of thousands of yuan in debt, and it is difficult to make money, it is easy to spend money, it is easy to borrow money, and it is difficult to repay it.
Therefore, in modern society, we should treat wealth rationally and not blindly pursue vanity, but should be down-to-earth and find our true value in the family and society.