The general situation is that the qualification examination of lending is not strict, and a large number of unsecured credit loans flood the market. Once unable to repay, insolvent, can only be heavily in debt.

There's another one. Although entrepreneurship is a narrow escape, it has never been publicized, which has led many people to dream of starting a business and getting rich. As a result, they were shot on the beach because of their inexperience.

Personal situation is, ahead of consumption, blind self-confidence, borrowing money for family life (including marriage, medical expenses, etc. ) and influenced by some bad habits.