Hello to the two sessions, I want to say
In today's society, the problem of indebtedness is becoming more and more common, and more and more people are stuck in debt. As a debtor, I deeply feel the pressure and pain caused by debt. Therefore, I would like to speak out for all debtors, let more people understand the debt problem, and call on the society to give more attention and support.
First of all, I would like to say that debt is not a shameful thing. Many people are in debt for a variety of reasons, but that doesn't mean they have moral problems or can't be trusted. On the contrary, many debtors are honest, hardworking, and responsible people who have only encountered difficulties at some point in their lives and need some help and support.
However, in reality, there is often discrimination and exclusion of debtors. Some people associate debtors with negative words such as "old lai" and "laid-back", and this kind of prejudice and discrimination not only makes debtors feel helpless and frustrated, but also hinders the correct understanding and resolution of debt problems in society.
In fact, the problem of debt is a complex social problem that requires the joint efforts of the whole society to solve it. Financial institutions, social organizations and individuals should take responsibility for providing more help and support to debtors.
* Supervision of financial institutions should be strengthened to prevent problems such as excessive borrowing and improper fees. At the same time, relevant policies should also be introduced to provide debtors with more repayment methods and relief measures to reduce their burden.
Financial institutions should also assume social responsibility, not only in pursuit of profits, but also in terms of borrowers' repayment ability and risk tolerance. In the process of loan approval, financial institutions should strengthen the credit assessment and risk warning of borrowers to avoid passing on risks to debtors.
Social organizations and individuals can also help debtors in a variety of ways. For example, a debt assistance organization can be set up to provide legal advice, psychological counseling, and skills training to debtors. It is also possible to provide material help to debtors through donations, donations, etc.
In addition to the support of the society, the debtors themselves should also actively face the problems and find solutions to the problems. First of all, the debtor should carefully analyze his own debt situation, formulate a reasonable repayment plan, and strictly follow the plan. At the same time, debtors can also gradually reduce the pressure of debt by raising their own income levels and cutting unnecessary expenses.
In addition, debtors should also pay attention to their own credit building. Although debt problems may put debtors with a certain amount of credit risk in a short period of time, as long as they actively respond and repay in good faith, they will be able to gradually repair their credit history. A good credit history will bring them more financial support and trust in their future lives.
In closing, I would like to say that the problem of indebtedness is not an unsolvable problem. As long as we work together as a whole to provide more help and support to debtors, I believe that they will be able to get out of the predicament and have a better life again. At the same time, we should also abandon discrimination and prejudice against debtors, and care for and help them with tolerance and understanding. Let's speak up for the debtors and make this world a warmer and better place.