如何避免新兴负债群体 掉进以债养债循环

Group 1 - The core viewpoint of the articles revolves around the transformation of China's personal debt market in 2025, highlighting the balance between expanding compliant credit channels and blocking high-interest gray areas to prevent risk spread [1][3] - The consumer loan sector is a focal point for banks, with a reported increase in application volume by approximately 30-40% and stable asset quality, indicating a positive cycle in the market driven by government policies promoting consumption and encouraging moderate debt [2][3] - The emergence of a "new debt group" is noted, consisting of individuals with stable jobs and incomes who fall into liquidity crises due to overly optimistic future expectations and poor financial planning [4][5] Group 2 - The regulatory environment is tightening, with new rules effectively capping annual interest rates at 24%, which has curtailed the space for disguised high-interest loans, leading to a consensus in the industry that compliance is essential for long-term development [2][3] - Despite the overall trend towards regulation, short-term pains persist, with the rise of "professional debtors" and debt restructuring services that often lead individuals into deeper debt traps [3][5] - Positive developments are emerging, such as the central bank's policy to remove overdue information from credit reports for eligible individuals, facilitating credit restoration and reflecting a shift in public perception towards viewing debt as a tool for improving life rather than a burden [6][7]