Market economy debt is the first wealth to create the economy and does not need to be solved. The future of debt is artificial. Only by creating debts first can wealth be created. Market economy is a market economy composed of national debt, corporate debt and private debt. Look at the places illuminated by neon lights at night, the cars driven by the boss, and the houses where citizens live. Debt is piling up, just control it.
The root of debt lies in me, that is, expenditure is greater than income. The solution is to increase income or reduce expenditure. Of course, I'm talking about the general situation, except special circumstances. Encounter natural and man-made disasters, but also helpless, only to find ways to increase income to make up for it.
Thanks for pushing the home page.
The root cause of debt is that many people say that they can't control their desires and spend too much in advance, so they are in debt!
Of course, this is also the reason, but I don't think this is the fundamental reason.
The real root is actually the rapid development of this era. In the 40 years of reform and opening up, China's economy has developed rapidly. Originally, we were still hungry, but in just over ten years, we began to consider opening a house after eating enough and wearing warm clothes. The constant expansion of desire has caused the impetuousness of this society. Every day we think about getting rich overnight and living a luxurious life. But the development law of human society for thousands of years tells us that there will be no pie in the sky. If you want to make money and get rich, you must do things seriously and in a down-to-earth manner!
Many people ask me why I can't make money now. I said a theory, that is, the theory of academic scum and academic bullies, is not so impetuous in society. While we still have moral beliefs, each of us knows that only by doing things in a down-to-earth manner, studying hard, making ourselves strong and knowing everything can top student gain a foothold in society. However, with the rapid development of economy, more and more people find that, in fact, you don't have to make money by yourself. As long as you have connections, connections, back doors, opportunism, a little cleverness and a circle, you can still make a lot of money, and then your moral beliefs will fall.
Because everyone was surprised to find that as a top student, he was so fucking hard and tired that he forced himself to do something against humanity every day. Because everyone wanted to be lazy, top student would spend a lot of time and energy to study, practice and explore. So tired! Maybe in the end, you may not be able to make money! But as long as I have connections, circles and contacts, even if I am useless, I will still make money and get along better than top student, so everyone is scum.
In the early and middle period of reform and opening up, the rapid development of information made these scum taste the sweetness. However, with the advent of the Internet era, information barriers are becoming less and less obvious, and more and more smart people are coming. To put it bluntly, when the wind comes, pigs can go to heaven. When the wind passes, pigs all die. Now everyone finds it difficult to make money and has high debts. That's because they are all scum, and they all want to make money through the back door.
I have met at least thousands of entrepreneurs, and every time I ask them about the basic corporate governance structure, digital management, humanized management, standardized management and automated management of enterprise sales teams, they are frightened!
I have also met many entrepreneurs. Let me forget the company management and business model. I asked him one thing: when your venture capital is used up and your company can't generate cash flow, is there any way for you to raise funds from other channels? Can you get a loan from the bank? Do you know anything about banks? Do you understand the nature of debt? Another face!
This kind of situation can be found everywhere in this society. Can we not owe money or lose money? Investment, when I told you, all investment institutions were very tall and ran away. The most ridiculous investment scam I have ever seen. I registered a trademark, went to a formal evaluation agency, evaluated the market value of the trademark by 100 million yuan, and then held a press conference with the evaluation book to raise money. It can even raise more than 40 million yuan at a cost of less than 3 million yuan. In less than two months, the company declared bankruptcy and ran away.
Solution: force yourself to learn, understand and understand, so that you can have a skill, drill a kilometer deep, 100 kilometer wide, have knowledge, experience, methods and technology, so that you can make money in this society and have wealth in the future!
The root of debt is actually very simple. In a word, money is not enough. There are two situations. If it is a debt owed to satisfy one's desire for consumption, one can only control one's own hands. Or the debt owed by living expenses, we should work harder to make money.
Buddha said: good fortune, no petty gain. All "unfair, fair and aboveboard" calculations and transactions will undoubtedly fail! ! !
The roots of debt are:
1. I don't know the integrity of "a gentleman loves money and takes it wisely". You can't take it unless it's real wealth!
2. I don't know the truth that "less is not a gentleman, and I don't have a husband". No discretion and willfulness!
3. Indulge in the greedy nature of "difficult to fill"!
4. The so-called "one step wrong" …
5. The so-called "self-discipline is outstanding, and non-self-discipline is out" …
On the importance of "down-to-earth self-discipline" ! !
7. To put it bluntly, I still don't understand the correct standard of "good and evil right and wrong", which leads to the failure to correctly judge "good and evil right and wrong"! ! !
The following is a summary of several sources of debt. In fact, debt is also a disease. As long as the root cause and treatment are found, it will be solved.
0 1 blind investment
20 15, the stock market is very active. An accident happened to a friend of mine, which made him unforgettable. He borrowed more than 2 million yuan through blind investment and leveraged mortgage, and it became more than 654.38+0.6 million in just one day. Five days later, there were only over 400,000 left, and finally there was nothing. When everyone else was cut into leeks, he simply uprooted them. The house is gone, the car is sold, the company is gone, and the parents are also dragged down. My wife has gone home with her children who are several months old. Finally, his family broke up.
02 consumption in advance
Since the first credit card was issued in 1980s, China's credit life has developed rapidly, which has stimulated the consumption of Chinese citizens, and the most influential one is the consumption in advance.
If you have a new model of iPhone, you can pay by installments in the future. Clothes bags of various big brands can also be paid by installments. Plastic surgery can also be carried out in stages, which is undoubtedly a huge foreshadowing of overspending. Rob Peter to pay Paul, and when we haven't returned it, we'll borrow the new one and return the old one. This cycle will eventually lead to more and more loans, which will eventually lead to the abyss of debt.
03 cheated.
The scope of being cheated is very wide, which may come from people around us, or from various capital markets in the market, all kinds of fraud and temptation.
04 entrepreneurial failure
Debt caused by entrepreneurship. In China, the success rate of starting a business is less than 3%, so it is not surprising that the debts brought by starting a business. He is also one of the entrepreneurs in debt. Entrepreneurs are often blindly optimistic about the project, failing to find many potential risks and stop losses in time. Sometimes I not only lose a lot of friends' money, but also owe a lot of debts.
Gambling in 2005
Debt arising from gambling. As the saying goes, ten bets and nine losses. Once addicted to gambling, death is not far away. Although this sentence is a bit serious, it is true. There is a saying that you want to die fast, online gambling and online lending.
You can choose to take legal channels to recover the arrears, but it will also take a lot of time and a set of procedures will also take a lot of energy, and it is very likely that you will not be able to recover the arrears. Is there only one way to compensate for your loss? No, there is another way to make up for your loss, and that is the mode of creditor's rights replacement.
Hearing this word, many people may be a little confused. The specific way is to use the IOU in your hand as a voucher to find a third-party company to handle the debt. Through a certain proportion of replacement, a small amount of creditor's rights can be replaced by points, which can be used to buy goods. The items you can usually buy are daily necessities, furniture, household appliances and so on. There are quite a variety of goods. We are familiar with using Taobao and JD.COM to buy things and replace these goods online. The whole purchase process is the same as Taobao and JD.COM. We usually choose our favorite goods to place orders. If there is any problem, we also have a special customer service to follow up and a return mechanism. Everything is more formal. A large number of creditor's rights can also replace some houses, apartments and cars, which is the same as the normal process of buying these things, that is, creditor's rights can be used as part of cash.
Some people may be suspicious and worried about the replacement of real estate, but it does exist, especially for those who have millions of claims. Replacing real estate is the most appropriate way. And the whole purchase process is directly connected with the developer. Just like usual, the process of buying a house is the same. You don't have to worry about any problems, and you don't have to worry about real estate, because these properties are also in a normal sales state, but others use cash and you use credit deduction. You buy in different ways, but the result is the same. Replace the property with unpaid IOUs, IOUs, etc. For creditors, it is to find their own real value. The acquired real estate can be used for their own residence, lease or resale, and the creditor's rights can suddenly become available cash flow. It's no use holding an iou in your hand It is better to change it into assets, so that its value can be truly reflected in practice.
In fact, it is enough for creditors to recover their own interests, and there is no need to punish debtors, so it is not so difficult to collect debts from this perspective. At present, there are many companies dealing with creditor's rights and debts in society, but there are also many pits. Many creditor-debtor companies will not replace the actual things for you. As long as you can see the real thing, you will have certain credibility, so pay more attention to the choice of the company!
In fact, the root of debt is economic development.
Many of us are easily confined to the perspective of excessive consumption and overspending, but in fact, a large number of debts in society are not necessarily caused by consumption, but by investment. Investment success means wealth, and investment failure means debt.
Can we solve the economic development? Obviously not, but we can gradually solve the contradictions in economic development. The bond market is actually a "market", not a "cancer" that many people think. On the one hand, the emergence of debt will drive the development of many industries. We know that some entrepreneurs will invest, which will be used in their own companies to promote the development of wage business. On the other hand, the emergence of debt will also promote the regulation of the debt market. Take the sensational P2P explosion in recent two years as an example. P2P explosion has also triggered disputes over creditor's rights and debts. The irregularity of P2P promoted the introduction of national regulatory measures, and also reminded the later investment methods. In the future investment field, the failure of P2P is a good reference for the country and investors.
The generation of debt is also beneficial. Behind the mortgage and car loan is actually the improvement of people's living standards, which reflects the vigorous development of China's economy. Everyone should manage their own debt problems, and the social debt problems are well controlled and supervised. There is no way to solve the debt problem. If it is only an individual, control your own consumption desire and gradually eliminate personal consumption debt.
In fact, most of the debt is rooted in the failure of entrepreneurship and investment. In a word, it is caused by economic development. Then how to solve the debt? In fact, most people use the method of "litigation" to solve problems, but this method also has certain effects, but the premise is that for those rich debtors, for those debtors who are unable to repay, this method is actually useless! On the contrary, it will make the debtor more disgusted and can't get the money! As a creditor, if you want to get your own money, you must first consider the feelings of the debtor. As the saying goes, "it is the grandson who borrows money and the uncle who pays it back" is the truth. If there is a method that is beneficial to both sides, then the problem will be better solved! Don't worry, there is another way to kill two birds with one stone, that is, creditor's rights replacement, which can solve both problems at the same time. I would also like to remind you that although the creditor's rights contract law stipulates that the transfer of creditor's rights is legal, we should still find a legal and compliant company to replace the creditor's rights!