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2021-06-21

有点丑

抱歉，原内容已删除

2021-04-13

这个走势真nb，没有一点气色

2021-03-08

$小米集团-W(01810)$跌个没完啦，太弱了

2020-12-24

我赚钱一点都不快乐，但是花钱好快乐！

抱歉，原内容已删除

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4整体造型较为方正，将采用双曲面屏设计，采用屏下摄像头技术，且屏幕边框极窄，正面整体的视觉冲击力达到了新的高度。值得注意的是，图片中丝毫看不出该机在哪里布置了前置摄像头，如果该爆料属实的话，这就说明该机所采用的屏下摄像头技术已经非常成熟。</p><p>其他方面，根据此前曝光的消息，由于当前屏下前摄的技术依然较为复杂，小米MIX4的这块屏幕可能将无缘2K+分辨率，但是会配备一块专门定制的、比一般1080P屏拥有更好显示效果的高分辨率屏幕。此外，该机将搭载骁龙888处理器，甚至有望搭载还未上市的全新<a href=\"https://laohu8.com/S/QCOM\">高通</a>骁龙888 Pro旗舰芯片，毕竟小米与高通的关系是相当密切，历史上也多次首发高通家族的旗舰芯片。将内置4500mAh大电池，并将支持120W有线快充。</p><div><img src=\"http://k.sinaimg.cn/n/spider2021621/200/w500h500/20210621/87ca-krpikqh3155679.jpg/w720fin.jpg\"/></div><p>据悉，全新的小米MIX4将有望在今年第三季度亮相，仅会推出屏下摄像头这一个版本，售价将超过目前小米最顶级的11 Ultra。更多详细信息，我们拭目以待。</p></body></html>","source":"sina_symbol","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>小米MIX 4真机谍照曝光：搭载屏下摄像头技术 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}\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time 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4必然将带来对极致全面屏等技术层面的全新探索。现在有最新消息，近日有海外爆料达人进一步带来了据称是该机的真机谍照...</p>\n\n<a href=\"https://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/roll/2021-06-21/doc-ikqcfnca2242402.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/6440ed998678ceba7821d81f1812c86f","relate_stocks":{"01810":"小米集团-W"},"source_url":"https://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/roll/2021-06-21/doc-ikqcfnca2242402.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2145707153","content_text":"原标题：小米MIX 4真机谍照曝光：搭载屏下摄像头技术 视觉效果震撼 来源：TechWeb.com.cn【TechWeb】据此前多方爆料显示，小米将会在今年Q3正式发布新一代MIX旗舰，这是MIX系列时隔三年后的回归力作，而作为小米家族承担对未来科技的探索重任的系列，新一代的小米MIX 4必然将带来对极致全面屏等技术层面的全新探索。现在有最新消息，近日有海外爆料达人进一步带来了据称是该机的真机谍照。据海外爆料达人最新晒出的一组所谓小米MIX 4的真机谍照显示，与此前曝光的消息基本一致，全新的小米MIX 4整体造型较为方正，将采用双曲面屏设计，采用屏下摄像头技术，且屏幕边框极窄，正面整体的视觉冲击力达到了新的高度。值得注意的是，图片中丝毫看不出该机在哪里布置了前置摄像头，如果该爆料属实的话，这就说明该机所采用的屏下摄像头技术已经非常成熟。其他方面，根据此前曝光的消息，由于当前屏下前摄的技术依然较为复杂，小米MIX4的这块屏幕可能将无缘2K+分辨率，但是会配备一块专门定制的、比一般1080P屏拥有更好显示效果的高分辨率屏幕。此外，该机将搭载骁龙888处理器，甚至有望搭载还未上市的全新高通骁龙888 Pro旗舰芯片，毕竟小米与高通的关系是相当密切，历史上也多次首发高通家族的旗舰芯片。将内置4500mAh大电池，并将支持120W有线快充。据悉，全新的小米MIX4将有望在今年第三季度亮相，仅会推出屏下摄像头这一个版本，售价将超过目前小米最顶级的11 Ultra。更多详细信息，我们拭目以待。","news_type":1},"isVote":1,"tweetType":1,"viewCount":798,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":345348744,"gmtCreate":1618282139688,"gmtModify":1618282139688,"author":{"id":"3533675681036134","authorId":"3533675681036134","name":"eer","avatar":"https://static.tigerbbs.com/2eb9d62d547f73ba3502760144aa03dc","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3533675681036134","authorIdStr":"3533675681036134"},"themes":[],"htmlText":"这个走势真nb，没有一点气色","listText":"这个走势真nb，没有一点气色","text":"这个走势真nb，没有一点气色","images":[{"img":"https://static.tigerbbs.com/d3a7cf80ca36fda326765235be4d8b0b","width":"1080","height":"2265"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/345348744","isVote":1,"tweetType":1,"viewCount":1663,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},{"id":320747101,"gmtCreate":1615182759803,"gmtModify":1703485307817,"author":{"id":"3533675681036134","authorId":"3533675681036134","name":"eer","avatar":"https://static.tigerbbs.com/2eb9d62d547f73ba3502760144aa03dc","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3533675681036134","authorIdStr":"3533675681036134"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/01810\">$小米集团-W(01810)$</a>跌个没完啦，太弱了","listText":"<a href=\"https://laohu8.com/S/01810\">$小米集团-W(01810)$</a>跌个没完啦，太弱了","text":"$小米集团-W(01810)$跌个没完啦，太弱了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/320747101","isVote":1,"tweetType":1,"viewCount":1411,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":339363455,"gmtCreate":1608772433877,"gmtModify":1703736672369,"author":{"id":"3533675681036134","authorId":"3533675681036134","name":"eer","avatar":"https://static.tigerbbs.com/2eb9d62d547f73ba3502760144aa03dc","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3533675681036134","authorIdStr":"3533675681036134"},"themes":[],"htmlText":"我赚钱一点都不快乐，但是花钱好快乐！","listText":"我赚钱一点都不快乐，但是花钱好快乐！","text":"我赚钱一点都不快乐，但是花钱好快乐！","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/339363455","repostId":"2093035550","repostType":2,"repost":{"id":"2093035550","pubTimestamp":1608751193,"share":"https://www.laohu8.com/m/news/2093035550?lang=&edition=full","pubTime":"2020-12-24 03:19","market":"hk","language":"zh","title":"太突然！马云挥刀“断腕”","url":"https://stock-news.laohu8.com/highlight/detail?id=2093035550","media":"腾讯新闻","summary":"马云挥刀“断腕” 来源：腾讯新闻作者：要参君 来源：财闻要参一猝不及防！据一位上海的90后反映，他原本有2万元的花呗额度，但这几天被下调到了3000元，跨度较大。她们不知道，花呗额度降低，看似影响她们寅吃卯粮，其实恰恰是把她们从危机中救出来，倒逼更加理性地消费！据调查，90后已经成了消费贷款的主力军了。在使用消费贷款的人群中，将近一半都是90后。近4成90后，把花呗设为支付宝支付方式首选。","content":"<html><body><p>原标题：太突然！马云挥刀“断腕” 来源：<a href=\"https://laohu8.com/S/00700\">腾讯</a>新闻</p><p>作者：要参君 来源：财闻要参</p><p><font>一</font></p><p>猝不及防！马云挥刀“断腕”！</p><p><font>今天，<a href=\"https://laohu8.com/S/06688\">蚂蚁集团</a>宣布：花呗近期正在调整部分年轻用户的额度，倡导更理性的消费习惯。</font></p><div><img src=\"http://k.sinaimg.cn/n/spider20201224/651/w480h171/20201224/0f8c-kftfpiv7009083.png/w720fin.jpg\"/></div><p>调整多少？据一位上海的90后反映，<font>他原本有2万元的花呗额度，但这几天被下调到了3000元，跨度较大。</font></p><p>这一下，“暴花户”一片哀嚎，他们原来分期付款、寅吃卯粮的人生，终于无法维持下去了！</p><div><img src=\"http://k.sinaimg.cn/n/spider20201224/192/w480h512/20201224/7ba4-kftfpiv7009084.jpg/w720fin.jpg\"/></div><p><font>她们不知道</font>，原来她们从花呗撸钱维持的，这种看似身穿名牌、岁月静好的“伪精致”人生，其实是温水煮青蛙，饮鸩止渴！</p><p><font>她们不知道</font>，花呗额度降低，看似影响她们寅吃卯粮，其实恰恰是把她们从危机中救出来，倒逼更加理性地消费！</p><p><font>分期付款带来的快感，看似很安逸，实际上却危机重重，最终只能是在快乐中被煮熟！</font></p><p><font>二</font></p><p>很多人很疑惑：年轻人挣得不算多，花起钱来却十分爽快，他们钱从哪儿来？</p><p>一个字，<font>借。</font></p><p>是的，借借借！买买买！1<font>号马云花呗、2号<a href=\"https://laohu8.com/S/JD\">京东</a>白条、4号平安分期......</font>来啊，消费吧！哪怕是，身无分文！</p><p><font>据调查，90后已经成了消费贷款的主力军了。在使用消费贷款的人群中，将近一半都是90后。</font></p><p>在一份大学生消费信贷调查报告中，你能看到：近64%使用花呗的大学生，都是用来购买电子产品、奢侈品和化妆品。哪怕最新款的iPhone，只要分12期、每个月还895.74元，一个普通白领也能用上<a href=\"https://laohu8.com/S/AAPL\">苹果</a>的顶配手机。</p><p>然而，你要相信，<font>你分期时有多爽，还款时泪就有多咸。</font>在虚拟账单的数字背后，是无尽的物欲深渊，它正在让消费者的人生陷入还不尽的账单黑洞中。</p><p>就拿前文说的手机来说，在官网，它的售价是9999，如果你分12期，每个月的还款895.74, 总还款额就是10748.88，手续费就是749.88。</p><p>一年手续费只有7.5%，从花呗借钱，利息够低了吧？呵呵。太年轻！要知道，虽然你每个月都在还款，欠款一直都在减少，但手续费可没有跟着降低，而是一直按照欠款9999元来计算的。</p><p>这么一算，<font>这笔花呗借款，真正的月利率是1.13%，真正的年利率是13.57%，都快接近15%了。</font></p><div><img src=\"http://k.sinaimg.cn/n/spider20201224/430/w480h750/20201224/fe57-kftfpiv7009121.jpg/w720fin.jpg\"/></div><p>你以为分期很划算，实际上都快直逼高利贷了。</p><p>这下你明白了，为什么这些金融机构，总是变着法子让你来分期，还不是因为这中间的利润很客观。这笔帐，不难算啊啊！</p><p><font>三</font></p><p>国家不会听任年轻人深陷分期付款、过度消费之中！果然，监管出手了。</p><p>今年11月初，银保监会消费者权益保护局局长郭武平就撰文称：与持牌金融机构相比，金融科技公司更加依赖购物、交易、物流等行为数据，更多依据借款人的消费和还款意愿，缺乏对还款能力的有效评估，往往形成过度授信，<font>与场景诱导共同刺激超前消费，使得一些低收入人群和年轻人深陷债务陷阱</font>，最终损害消费者权益，甚至给家庭和社会带来危害。这段话可能金融术语太多，容易让非专业人士看得云里雾里，下面我用几个数据，给大家翻译一下吧。</p><p><font>1、</font>首先，看看汇丰银行前不久发布的一个数据吧：<font>中国90后一代人的债务与收入比达到令人吃惊的1850%，</font>他们欠各种贷款机构和信用卡发行机构的人均债务超过17433美元(约合平均12万元人民币)。</p><p><font>人均负债12万元！</font>这一定程度上说明：举债度日，已经成了不少年轻人的常态。</p><div><img src=\"http://k.sinaimg.cn/n/spider20201224/0/w480h320/20201224/921d-kftfpiv7009119.jpg/w720fin.jpg\"/></div><p><font>2、</font>在花呗发布的《2017年轻人消费生活报告》中：在中国近 1.7 亿 90 后中，开通花呗的人数超过了 4500 万，也就是说<font>平均每 4 个 90 后就有 1 个使用花呗</font>。近4成90后，把花呗设为支付宝支付方式首选。而在购买手机时，76% 的年轻用户则会选择分期付款。</p><div><img src=\"http://k.sinaimg.cn/n/spider20201224/138/w480h458/20201224/bffd-kftfpiv7009168.jpg/w720fin.jpg\"/></div><p><font>3、</font>据蚂蚁金服2018发布的一份报告，<font>在现在35岁以下年轻人里，有56%的人暂未开始储蓄。就算在开始储蓄的44%的人中，平均每月储蓄仅也有1389元。</font></p><p>是的，只有1339元！也就是说，不少年轻人根本存不到钱。</p><p>看了上面这三个数据，不难发现，<font>一边是一些年轻人收入不高，典型的月光一族，一边他们又是疯狂的分期付款消费，在冰与火之间迷失！</font></p><p>赚钱不多却花钱如流水，这似乎成了这一代年轻人一个显著的标签！</p><p>然而，过度超前消费之后，是这个世上最深的深渊！随着物欲一步步放出心中的猛虎，将把人拖入欠债-还款-欠债的泥潭。</p><p>警惕啊，<font>分期付款、超前消费，看似简单、方便，但对很多人来说，却是一个大坑。不仅让你透支明天的金钱，更是在透支你的人生。</font>你不光是在花明天的钱，还在断明天的路！</p><p><font>四</font></p><p>在《火车》的原文中，宫部美雪说：“金钱的桎梏甚至能套住街道的足踝，遑论是人的，其套牢的程度会更加严重。被套住的人愿意就这样干枯至死呢，还是肯努力挥舞意志的刀刃，斩断足踝逃脱而去？”花一万五，还掉五万；花五万，还掉九万！花呗、借呗、网贷挖了一堆太深的坑。</p><p><font>两年后，当你面对苦心维持的资金链终于断裂时，你将回想起朋友对你说“有个平台叫花呗”那个遥远的下午。</font>一时的享受和侥幸，固然是销魂蚀骨般的舒爽，但<a href=\"https://laohu8.com/S/0NQC.UK\">潘多拉</a>魔盒一旦打开，就如洪水出笼般狂飙，难以抑制，寅吃卯粮、透支信用的代价就是让未来没有未来。</p><div><img src=\"http://k.sinaimg.cn/n/spider20201224/747/w480h267/20201224/ee28-kftfpiv7009169.jpg/w720fin.jpg\"/></div><p>毕竟，出来混，迟早要还的。过度消费有多欢乐，被迫还债时就有多痛苦。这其实也是一种戒毒，不过，戒的是过度寅吃卯粮之毒，是消费主义泛滥之毒！</p><p><font>给生活做减法，让心灵回归理性吧！</font></p><p><font>毕竟，花钱不是真正的快乐，赚钱才是！</font><font>毕竟，只有适度消费，才是你一生幸福的开始！</font></p></body></html>","source":"sina_symbol","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>太突然！马云挥刀“断腕”</title>\n<style 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}\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n太突然！马云挥刀“断腕”\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-12-24 03:19 北京时间&nbsp;&nbsp;&nbsp;<a href=http://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/stock/relnews/us/2020-12-24/doc-iiznezxs8576591.shtml><strong>腾讯新闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>原标题：太突然！马云挥刀“断腕” 来源：腾讯新闻作者：要参君 来源：财闻要参一猝不及防！马云挥刀“断腕”！今天，蚂蚁集团宣布：花呗近期正在调整部分年轻用户的额度，倡导更理性的消费习惯。调整多少？据一位上海的90后反映，他原本有2万元的花呗额度，但这几天被下调到了3000元，跨度较大。这一下，“暴花户”一片哀嚎，他们原来分期付款、寅吃卯粮的人生，终于无法维持下去了！她们不知道，原来她们从花呗撸钱维持...</p>\n\n<a href=\"http://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/stock/relnews/us/2020-12-24/doc-iiznezxs8576591.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/adde21fc7a235e2f380acaab07b6cbd0","relate_stocks":{"BABA":"阿里巴巴","09988":"阿里巴巴-W","QNETCN":"纳斯达克中美互联网老虎指数"},"source_url":"http://cj.sina.cn/article/normal_detail?url=https://finance.sina.com.cn/stock/relnews/us/2020-12-24/doc-iiznezxs8576591.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2093035550","content_text":"原标题：太突然！马云挥刀“断腕” 来源：腾讯新闻作者：要参君 来源：财闻要参一猝不及防！马云挥刀“断腕”！今天，蚂蚁集团宣布：花呗近期正在调整部分年轻用户的额度，倡导更理性的消费习惯。调整多少？据一位上海的90后反映，他原本有2万元的花呗额度，但这几天被下调到了3000元，跨度较大。这一下，“暴花户”一片哀嚎，他们原来分期付款、寅吃卯粮的人生，终于无法维持下去了！她们不知道，原来她们从花呗撸钱维持的，这种看似身穿名牌、岁月静好的“伪精致”人生，其实是温水煮青蛙，饮鸩止渴！她们不知道，花呗额度降低，看似影响她们寅吃卯粮，其实恰恰是把她们从危机中救出来，倒逼更加理性地消费！分期付款带来的快感，看似很安逸，实际上却危机重重，最终只能是在快乐中被煮熟！二很多人很疑惑：年轻人挣得不算多，花起钱来却十分爽快，他们钱从哪儿来？一个字，借。是的，借借借！买买买！1号马云花呗、2号京东白条、4号平安分期......来啊，消费吧！哪怕是，身无分文！据调查，90后已经成了消费贷款的主力军了。在使用消费贷款的人群中，将近一半都是90后。在一份大学生消费信贷调查报告中，你能看到：近64%使用花呗的大学生，都是用来购买电子产品、奢侈品和化妆品。哪怕最新款的iPhone，只要分12期、每个月还895.74元，一个普通白领也能用上苹果的顶配手机。然而，你要相信，你分期时有多爽，还款时泪就有多咸。在虚拟账单的数字背后，是无尽的物欲深渊，它正在让消费者的人生陷入还不尽的账单黑洞中。就拿前文说的手机来说，在官网，它的售价是9999，如果你分12期，每个月的还款895.74, 总还款额就是10748.88，手续费就是749.88。一年手续费只有7.5%，从花呗借钱，利息够低了吧？呵呵。太年轻！要知道，虽然你每个月都在还款，欠款一直都在减少，但手续费可没有跟着降低，而是一直按照欠款9999元来计算的。这么一算，这笔花呗借款，真正的月利率是1.13%，真正的年利率是13.57%，都快接近15%了。你以为分期很划算，实际上都快直逼高利贷了。这下你明白了，为什么这些金融机构，总是变着法子让你来分期，还不是因为这中间的利润很客观。这笔帐，不难算啊啊！三国家不会听任年轻人深陷分期付款、过度消费之中！果然，监管出手了。今年11月初，银保监会消费者权益保护局局长郭武平就撰文称：与持牌金融机构相比，金融科技公司更加依赖购物、交易、物流等行为数据，更多依据借款人的消费和还款意愿，缺乏对还款能力的有效评估，往往形成过度授信，与场景诱导共同刺激超前消费，使得一些低收入人群和年轻人深陷债务陷阱，最终损害消费者权益，甚至给家庭和社会带来危害。这段话可能金融术语太多，容易让非专业人士看得云里雾里，下面我用几个数据，给大家翻译一下吧。1、首先，看看汇丰银行前不久发布的一个数据吧：中国90后一代人的债务与收入比达到令人吃惊的1850%，他们欠各种贷款机构和信用卡发行机构的人均债务超过17433美元(约合平均12万元人民币)。人均负债12万元！这一定程度上说明：举债度日，已经成了不少年轻人的常态。2、在花呗发布的《2017年轻人消费生活报告》中：在中国近 1.7 亿 90 后中，开通花呗的人数超过了 4500 万，也就是说平均每 4 个 90 后就有 1 个使用花呗。近4成90后，把花呗设为支付宝支付方式首选。而在购买手机时，76% 的年轻用户则会选择分期付款。3、据蚂蚁金服2018发布的一份报告，在现在35岁以下年轻人里，有56%的人暂未开始储蓄。就算在开始储蓄的44%的人中，平均每月储蓄仅也有1389元。是的，只有1339元！也就是说，不少年轻人根本存不到钱。看了上面这三个数据，不难发现，一边是一些年轻人收入不高，典型的月光一族，一边他们又是疯狂的分期付款消费，在冰与火之间迷失！赚钱不多却花钱如流水，这似乎成了这一代年轻人一个显著的标签！然而，过度超前消费之后，是这个世上最深的深渊！随着物欲一步步放出心中的猛虎，将把人拖入欠债-还款-欠债的泥潭。警惕啊，分期付款、超前消费，看似简单、方便，但对很多人来说，却是一个大坑。不仅让你透支明天的金钱，更是在透支你的人生。你不光是在花明天的钱，还在断明天的路！四在《火车》的原文中，宫部美雪说：“金钱的桎梏甚至能套住街道的足踝，遑论是人的，其套牢的程度会更加严重。被套住的人愿意就这样干枯至死呢，还是肯努力挥舞意志的刀刃，斩断足踝逃脱而去？”花一万五，还掉五万；花五万，还掉九万！花呗、借呗、网贷挖了一堆太深的坑。两年后，当你面对苦心维持的资金链终于断裂时，你将回想起朋友对你说“有个平台叫花呗”那个遥远的下午。一时的享受和侥幸，固然是销魂蚀骨般的舒爽，但潘多拉魔盒一旦打开，就如洪水出笼般狂飙，难以抑制，寅吃卯粮、透支信用的代价就是让未来没有未来。毕竟，出来混，迟早要还的。过度消费有多欢乐，被迫还债时就有多痛苦。这其实也是一种戒毒，不过，戒的是过度寅吃卯粮之毒，是消费主义泛滥之毒！给生活做减法，让心灵回归理性吧！毕竟，花钱不是真正的快乐，赚钱才是！毕竟，只有适度消费，才是你一生幸福的开始！","news_type":1},"isVote":1,"tweetType":1,"viewCount":1534,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}