挣死工资的人，追着消费贷薅羊毛

Core Viewpoint - The article discusses the rising trend of consumer loans in the context of increasing gold prices and interest rates, highlighting how individuals are leveraging loans for investment opportunities, particularly in gold, amidst a changing financial landscape [6][7][10]. Group 1: Consumer Loan Trends - There is a notable increase in consumer loan applications as individuals seek to capitalize on low interest rates before anticipated hikes [10][20]. - Many borrowers are using consumer loans to refinance existing debts, particularly to replace higher-interest loans with lower-rate bank loans, indicating a shift towards debt restructuring [21][22]. - The demographic of borrowers primarily consists of stable-income individuals, such as government employees and those in public sectors, who are often described as "stable but poor" [13][20]. Group 2: Investment Behavior - Individuals like Wang Shu are taking significant risks by borrowing large sums to invest in gold, driven by the belief that gold prices will continue to rise [6][9]. - The article illustrates a trend where borrowers are not only using loans for consumption but also for speculative investments, which raises concerns about the sustainability of such financial behavior [23]. - There is a growing community sharing strategies and experiences related to consumer loans on social media, indicating a collective shift towards leveraging debt for investment purposes [10][12]. Group 3: Financial Strategies - Borrowers are increasingly employing creative financial strategies, such as using consumer loans to pay off existing debts or invest in assets like gold, which they perceive as safer or more profitable [11][17]. - The article highlights the importance of understanding financial products and market conditions, as seen in the actions of individuals who actively seek out the best loan terms and conditions [18][19]. - There is a recognition among borrowers of the need to maintain a balance between leveraging debt and managing financial risks, as evidenced by the experiences shared in the article [22][23].