In recent years, with the continuous development of the financial credit market, more and more young people have begun to access and use credit products. However, it has recently been reported that some post-90s user groups are withdrawing from Alipay's Huabei and borrowing services. This phenomenon has attracted the attention of all sectors of society, and people can't help but ask: what is the reason behind this?
1. Debt pressure.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used the quick use of Beibei on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient, if there are friends who know or have opened it, leave it for comments, let everyone open it.
First of all, debt pressure is one of the main reasons for post-90s users to quit Huabei and borrow. With the intensification of social competition and the increase in the cost of living, many young people are facing great pressure in life. In order to meet various living needs, they have to rely on credit products to alleviate the shortage of funds. However, the long-term use of credit products can lead to the accumulation of debt, which can be a heavy burden on the personal economy. When debt stress reaches a certain level, some users have to opt out of Huabei and borrowing to reduce their burden.
2. Awakening of credit awareness.
Secondly, the awakening of credit consciousness is also an important reason for post-90s users to withdraw from credit products. In recent years, with the increasing attention to credit issues in society, more and more young people have begun to pay attention to their credit records. They realize that a good credit history is essential for future development and life. Therefore, in order to avoid credit damage caused by over-reliance on credit products, some users choose to give up or reduce the use of Huabei and Borrow.
Third, the concept of rational consumption has been enhanced.
Finally, the enhancement of the concept of rational consumption is also one of the reasons why post-90s users withdraw from credit products. Compared with previous generations, the post-90s generation pays more attention to rational consumption and quality of life. They are more inclined to make consumption decisions based on their actual needs and economic capabilities, rather than blindly following trends or comparisons. This rational consumption concept has led some users to gradually abandon the consumption mode of relying on credit products and choose a more stable and sustainable consumption model.
In short, there are multiple reasons behind the phenomenon of post-90s user groups withdrawing from Huabei and borrowing. These reasons reflect the more rational and mature consumption attitudes of contemporary young people in the face of the financial and credit market. For financial institutions, it is also a reminder that they need to pay more attention to the needs and changes of young users, and continue to innovate products and services to meet their expectations. At the same time, we should also advocate a healthier and more rational concept of financial consumption, help young people establish the right financial concept, and create a better future for them.