According to the most recent data, post-90 correspondence records have generally been overdue in recent years, which has attracted widespread attention and discussion. The view was expressed that post-90 overall economic pressure was high, leading to widespread delays; it was also considered that post-90 consumption perceptions and lack of financial quality were responsible. What, then, is the reason that the post-90 letters were generally overdue

Almost all the letters are overdue after 90

First, economic pressure is one of the main reasons for the widespread delay after 90. Compared to previous generations, the socio-economic pressure is greater after 90 years. Upon graduation, they face intense competition for employment and relatively low income levels, as well as pressures for higher housing prices and living costs. In such cases, they are vulnerable to debt distress, which in turn leads to overdue letters。

In addition, post-90 consumption perceptions and financial quality are among the reasons for the widespread delay. Compared to previous generations, 90 years later, more emphasis has been placed on the enjoyment of the present and on the pursuit of quality and fashion. Their quest for short-term consumption satisfaction can easily lead to overconsumption and uncontrolled lending. At the same time, knowledge of financial knowledge and inadequate financial planning have led to a lack of necessary care and judgement in the lending process after 90 years, thus increasing the risk of delays。

In addition, there are special reasons for the delay in the receipt of letters after 90 years. For example, after 90, there has been a general increase in the use of credit cards to meet consumer demand, but lack of understanding of credit card repayment rules and interest calculations, among others, has led to an increase in overpayment. At the same time, some late 90s blindly engaged in high-risk investment-management activities without risk awareness have resulted in broken financial chains and delays in repayment。

Education and guidance should be strengthened in the relevant sectors and society in the face of the widespread post-90 delay. On the one hand, families and schools should strengthen financial education and raise consumption perceptions and financial literacy after 90 years. On the other hand, financial institutions should scrutinize lending eligibility and strengthen risk tips and risk management to avoid giving post-90 over-lending opportunities。