论文部分内容阅读
前不久,中国社会科学院研究生院的刘建昌撰文指出,随着个人消费信贷规模的急剧扩大,我国一些大城市的居民已成为高负债一族,上海家庭负债率高达155%,北京家庭负债率高达122%,均已超过2003年美国的家庭负债率115%。通常而言,家庭和个人的负债率与总资产、到期债务、可支配收入和预期收入等因素相关,负债率超过100%就意味着这些个人和家庭已经步入了“负翁”的行列,即他们拥有的财富和净资产可能是一个负数。虽然高负债率并非一个完全可怕的概念,但如何面对自己的债务和如何更加明智地理财,却无疑成了摆在众多“负翁”面前一个紧迫而现实的问题。为此,CCTV 的“央视评论”,还特别制作了一期“你是‘负翁’吗?”的专题节目。
Not long ago, an article written by Liu Jianchang of the Graduate School of the Chinese Academy of Social Sciences pointed out that with the rapid expansion of the scale of personal consumer credit, residents of some big cities in China have become highly indebted families with a family debt rate of 155% in Shanghai and a household debt ratio of 122% , All exceeding the U.S. household debt ratio of 115% in 2003. Generally speaking, the debt ratio of households and individuals is related to such factors as total assets, debt due, disposable income and expected income. A debt ratio of more than 100% means that these individuals and families have already entered the ranks of “negative wrongers” That their wealth and net worth may be a negative number. Although high debt ratio is not a completely horrible concept, how to deal with its own debts and how to manage it more wisely has undoubtedly become an urgent and realistic issue before many “negative people.” To this end, CCTV’s “CCTV Review” also specially produced a special episode of “Are You a Demon Weng?”