中消协:警惕打着“零利息、零首付”等旗号的网贷陷阱|欧类av怡春院

  中新网北京7月4日电(记者 谢艺观)4日,中消协发布提示,提醒青年消费者理性消费,远离网贷陷阱。

  据介绍,近期,部分青年消费者盲目超前消费、大额借贷现象增多,因超出自身还款能力而陷入债务困境,甚至影响个人信用记录,对未来发展和生活造成严重负面影响。

  为此,中消协提示广大青年消费者,一是审慎评估还款能力,量力而行消费。借贷前务必全面、客观评估未来收入预期及持续还款能力,充分考虑潜在风险。避免因一时冲动或盲目攀比,进行超出自身经济实力的消费,尤其要警惕大额网贷。

  二是坚持适度原则,抵制非必要透支。树立“量入为出、适度消费”的理念。合理规划日常开支,优先保障基本生活需求和学习成长投入。对非必需、非紧急的消费,特别是超出当前支付能力的高消费,应保持克制,避免过度依赖借贷工具陷入“以贷养贷”恶性循环,最终无力自拔。

  三是认清借贷本质,警惕非法网贷陷阱。选择金融服务时,务必通过正规、持牌金融机构,仔细阅读并理解合同条款,特别是利率、费用、还款期限及违约责任。特别要警惕那些打着“零利息、零首付”等旗号的网贷陷阱,不轻易相信不实宣传和虚假承诺。坚决抵制高利贷、非法网络贷款,谨防陷入债务陷阱。

  四是珍视个人信用,维护长远发展。个人信用记录是重要的社会资产,关乎就业、购房、出行等多方面。一旦因无力偿还债务导致失信,将承担严重后果,对个人发展和社会生活造成长期限制。务必按时履约,珍惜个人信用。

  五是树立正确价值观,弘扬勤俭节约风尚。将精力聚焦于个人成长和能力提升,自觉抵制拜金主义、享乐主义和极端消费主义。(完)

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发布于:北京市