在我们最耳熟能详的信用卡、房贷、车贷等关于透支的案例中,透支这根经济杠杆通过对消费者与金融机构之间资金的调拨,填补了购买力与产品价格之间的落差,使供给与需求能够对接起来,打破了市场僵局,让一个潜力巨大的市场能够提前释放其能量。透支这种寅吃卯粮的行为在今天的中国不再受到鄙弃,我们身边那些年纪轻轻就有房有车,为了“实现今天的梦”而背负重重负债的“负翁”们赋予 In our most familiar case of overdrafts, such as credit cards, mortgages, car loans, the overdraft, the economic lever, fills the gap between purchasing power and product prices through transfers of funds between consumers and financial institutions, Demand can be docked, breaking the market deadlock and allowing a potentially huge market to release its energy ahead of schedule. Overdrawing this kind of food and clothing is no longer stigmatized in today's China. We are surrounded by young people who have cars in their homes and who are heavily indebted for “realizing today's dreams.”