两大“毒瘤”不除掉，老百姓如何敢消费呢？原来老百姓的钱都被吸走了

Group 1: Core Issues in Consumer Spending - High housing costs are consuming a significant portion of disposable income, with an average of 42% of monthly income spent on housing in first and second-tier cities, exceeding the international warning line of 30% [2] - The average disposable income ratio for urban residents has dropped from 48% in 2015 to 35% in 2024, largely due to rising housing-related expenses [2] - E-commerce has led to impulsive buying behaviors, with 63% of consumers admitting to unplanned purchases due to promotional activities, averaging 817 yuan per month in impulsive spending [3][4] Group 2: Consumer Behavior and E-commerce Challenges - The quality of goods and services on e-commerce platforms is inconsistent, leading to a rise in consumer complaints, which reached 673,000 in 2024, a year-on-year increase of 18.5% [4] - Trust in e-commerce platforms is declining, with 43% of consumers being cautious about promotional activities and 25% planning to reduce their spending on these platforms [4] Group 3: Solutions for Consumer Dilemmas - Recommendations for managing housing costs include keeping monthly mortgage payments within 30% of income, optimizing housing choices, and considering policy-based housing options [5][7] - Strategies to combat e-commerce impulsivity include setting shopping budgets, implementing a 24-hour cooling-off period before purchases, and supporting local brick-and-mortar stores [8][9] Group 4: Societal and Regulatory Responses - The real estate market is stabilizing, with many cities experiencing slower price increases and some areas seeing slight declines, supported by regulatory measures aimed at stabilizing prices [11] - Increased regulatory scrutiny on e-commerce platforms has led to fines exceeding 1.2 billion yuan for 23 major platforms due to violations related to product quality and consumer rights [11] - Consumer education initiatives are being launched to improve financial literacy and promote rational consumption behaviors [11]