“无债一身轻”是中国人一贯秉承和坚守的消费理念。不管收入多少,大多数人每月都会多少留点结余,以备不时之需。不确定的、不可知的不时之需,就成了套在中国人当前寻常消费生活的无形枷锁,同时也成为国内消费金融行业勃兴的最大羁绊。 “Debt-free ” is the Chinese people have always uphold and stick to the concept of consumption. Regardless of the amount of income, most people keep their balances on a monthly basis for emergency use. Uncertain, unknowable from time to time, has become a set of Chinese people’s current ordinary consumer life invisible shackles, but also become the biggest consumer finance industry booming fetters.