零负债人群走红 专家：激活其消费潜力

Core Viewpoint - The "zero-debt population" has gained attention online, characterized by rational financial planning that ensures financial security and a relaxed lifestyle. Their potential to boost consumption is crucial as China continues to implement its strategy to expand domestic demand by 2026 [1][7]. Group 1: Characteristics of the Zero-Debt Population - The "zero-debt population" avoids all forms of debt, including mortgages, car loans, and online loans, focusing on essential goods and rejecting luxury items. This group enjoys greater time autonomy and a sense of calm due to lower economic pressure [2][6]. - Approximately 1.75 billion individuals in China are classified as "post-90s," with only 13.4% of them being debt-free [4]. Group 2: Economic Context and Consumption Potential - As China's economy develops and income levels rise, the consumption structure is shifting from survival-based to development-oriented, with a growing focus on service consumption, which may better stimulate the spending of the "zero-debt population" [7]. - Experts suggest that transforming "zero-debt individuals" into "zero-worry individuals" is essential for enhancing their willingness to consume. This requires increased investment in public services such as healthcare and childcare to improve consumer confidence [8]. Group 3: Broader Economic Implications - A recent article emphasizes that increasing the income of ordinary workers is key to expanding domestic demand, as low labor compensation has been a significant factor in insufficient domestic demand [9]. - The article highlights that the income distribution structure in China is skewed, with residents' income accounting for a lower proportion of national income compared to developed economies, which directly impacts the scale and vitality of the consumer market [10]. - It is noted that if the average monthly income of ordinary workers increases by 1,000 yuan, it could add approximately 4.05 trillion yuan to annual consumption, significantly boosting the domestic market [10].