专家：如何让“零负债人群”在扩大内需中“激流勇进”

Core Insights - The "zero-debt population" has gained popularity online, characterized by rational financial planning that ensures financial security and a relaxed lifestyle [1] - This group prioritizes essential goods with high cost-performance ratios and avoids luxury items, leading to lower economic pressure and greater autonomy in time management [1] - The shift from a survival-based consumption model to a development-oriented one is evident, with a growing focus on service consumption as opposed to durable goods [4] Group 1: Zero-Debt Population Characteristics - The zero-debt population emphasizes absolute financial safety, allowing them to focus on personal interests and learning rather than material consumption [1] - A young entrepreneur in the intangible cultural heritage sector transitioned from a high-pressure job in a first-tier city to achieve zero debt, enabling full commitment to his new venture [2] - Only 13.4% of the 90s generation in China is currently debt-free, highlighting the relative scarcity of this demographic [2] Group 2: Economic Context and Policy Implications - The National Development and Reform Commission (NDRC) emphasizes the need to activate the consumption potential of the zero-debt population through increased investment in public services [4] - By 2024, service consumption is projected to account for 46.1% of per capita consumer spending, indicating a significant shift in consumer preferences [4] - Current public services and social security systems in China face challenges, including insufficient supply in areas like elderly care and childcare, which could hinder the growth of the zero-debt population [5][6]