source: Guangzhou daily paper / table / reporter Jing Nan, Li Jingxuan, PAM
Xinhua
financial experts suggest that the total amount of credit card consumption does not exceed 1/4 of the wage income.
the Guangzhou daily network survey showed that 57% young people's annual income below fifty thousand yuan is higher than the "gnawing" because of the
[b] survey of one person and one vote. This week, around the Post 80's "gnawing" behavior, the newspaper carried out a three day network investigation, the results showed that the proportion was up to 62%. The post-80s youngsters admitted that they had "chewed old" in 2 years, and expected to be 54% years old in 3 years. On the surface, low income (more than 50 thousand yuan per year), rising prices and large pressure to buy a house are the reasons for "gnawing the old". But after a survey of journalists, it is found that excessive consumption, blind use of credit cards and no financial management are the important reasons for the "gnawing" after the 1980s.
professional people suggest that after 80, we should create a strong "balance sheet" for themselves; at the same time, develop good financial habits, "throttle" and "open source", to eliminate blind and overdraft behavior of credit cards, to improve the proportion of stable financial products to more than 40%; "job hopping" should look later; "job hopping" before, to Be prepared for at least half a year in order to prevent passive "gnawing".
[b] survey [/b]
[b] 30% />[b] 30% respondents to [/b]
[b] all by parents [/b]
this week, around 80 after the "gnawing" behavior, the Guangzhou Daily carried out a three day network survey activities, the results of the survey showed that in the last 2 years, the "gnawing" behavior of the Post 80 young people accounted for 62%. In the next 3 years, 54% of the 80s will be "gnawing old".
[b] data highlights [/b]
[b] majority of Post-80 [/b]
[b] willing to get rid of "gnawing" [/b]
through the analysis of the questionnaire, Central University of Finance and Economics business school Fu Xiaoxia associate professor also found a number of "positive energy" highlights, such as more than 84% of the respondents in the next 5 years have obvious financial goals; in the family flow capital In the middle of the production, the choice of the post-80s tends to be diversified. Financial products, gold, funds, bonds, stocks and deposits are all involved.
an interview with a reporter, a large state-owned enterprise employee in Guangzhou, 26 year old Miss Chen said: "in fact, 'gnawing the old' is only a temporary phenomenon; most people do not want to 'gnawing the old', most people should not have been 'gnawing the old'. Work hard and save money carefully. Sooner or later, we must move out and take care of ourselves. "
Ms. Chen's colleague, 27 - year-old Xiao Lin, told reporters: "I have bought an apartment in Panyu to pay 500 thousand yuan, so expensive, I must not be able to get out, or parents helped. Although it is also "gnawing the old", it is up to me not to slack off.
Fu Xiaoxia predicts that in the next few years, with the increase of social experience and income, more and more post-80s will come back to the track of virtuous circulation and make a scientific and active life.
[b] "nibbling" due to [/b]
[b] 1 and nearly 60% [/b]
below four thousand per month, according to the survey results of this newspaper, 57% of the young people after 80, the annual salary income is below 50 thousand yuan, that is, half of the Post 80 month income is less than 4000 yuan, in the urban wages of the low level. Aaron,
28, told reporters in an interview that he was "chew old" and had "responsibility" in his own environment. He said, "prices are rising and everything is expensive. Now the monthly salary of 5000 yuan may not be up to 2000 yuan 10 years ago. I have changed two jobs, and there has been no substantial improvement in income level. "
[b] two, job hopping is too frequent [/b]
Liwan District's local sister Xiaodong is 29 years old this year, but she still stays at her parents' home to do "gnawing old people". During her 6 years of graduation, she changed 7 occupations, and spent the longest time in less than 18 months. "Low income and undesirable" is the main reason for Xiao Tung job hopping, but the actual effect of job hopping is not good.
"the job found in March this year, this said that there was 7000 yuan a month, but after coming, I found that the company had no welfare and no complete insurance. And the work was very hard. It was a common work to work overtime. In general, it was not as good as the original salary of 5500 yuan." Said little Dong. In
big cities, there are too many examples of Xiaodong. At the age of more than 25, they are still unable to support themselves. Every "job hopping" once, there are less than one or two months, more than half a year "no income period", no economic source, before the savings are not enough, to return to the parents "nibbling".
three, over consumption
28 years old of Guangzhou Aberdeen, handsome and sunny, and just hopping to a star hotel as a hall manager, but he is actually a real "gnawing family": 4 years after college graduation, eat and live all in his parents' home, change mobile phone, buy watches, travel such "big" Consumption is also "reimbursed" by parents. To say, alon now has a monthly salary of five thousand or six thousand yuan, but he can't save any money, and I feel ashamed: "friends, buy clothes, car and gas (the car is a parent), as if there is nothing left."
four, not good financial investment door
from the survey results and the interview with the reporter, the Post 80 young people feel the investment is no door, but also the problem of lack of financial knowledge. In this regard, Fu Xiaoxia believes that the Post 80 bank deposit accounts for a large proportion, indicating two problems: one is the post - 1980s accumulation of inadequate accumulation, financial slack; two is generally not financial management after 80; in bank deposits, too many mobile funds, seems to be safe, but in fact, the loss of wealth in the intangible.
experts suggested
1. Fu Xiaoxia suggested that the "soft power" of young people improve the "soft strength"
proposal, the Post 80 should formulate a personal development plan, reasonably plan the future scientific financial planning for several years; strive to improve the "soft power" of its own, rather than rely on frequent "hopping" to escape the reality and speculative dreams.
Chinese education observer and learning method research expert Ma Jinghao suggested that when working, do not care too much about the income, and try to improve its management ability and professionalism. Between 30 and 40 years of age, a profit statement should be compiled every year to analyze the profitability of accumulated assets. The cash flow account is considered after the age of 40.
two, financial management to themselves "ruthless" a little
a joint-stock bank financial division Chen Lina think, for the Post 80, the income is limited, now the idea should be "throttle" and "open source". First, formulate strict and detailed consumption schedule. When controlling consumption, we should be "ruthless" for ourselves.
, moreover, we should put an end to the blind overdraft of credit cards, and the total consumption of credit cards should not exceed 1/4 of the wage income. In order to prevent blind overdraft, it is recommended that only one credit card be processed.
for investment, it is suggested that after 80, the proportion of the stable financial products should be increased, and the proportion in the current assets should be over 40%, and we can choose the bank financial products, gold and bond products and national debt. For the current turbulence in the international financial market, it is suggested that after 80 years pay attention to the flexibility of financial management, adjust the strategy once every six months, comb out a financial product.
finally, it is suggested that "job hopping" be considered only when the actual salary of the new unit is more than 30% of the actual salary of the original unit. Moreover, in order to prevent the emergence of passive "gnawing" behavior, it is suggested that the basic living expenses for at least half a year should be prepared before 80's "job hopping".