Borrowing, as a vital tool in modern financial life, can help individuals handle emergency expenses or upgrade consumption, but it may also lead to debt traps due to blind operations. Data shows that China’s consumer loan balance has exceeded 5.5 trillion yuan, and debt disputes caused by excessive borrowing have increased by 18% in the past three years. How to borrow scientifically and avoid risks? This article analyzes borrowing from three dimensions: logic, type selection, and risk control strategies. I. The Underlying Logic of Borrowing: Balancing Needs and Costs The essence of borrowing is “prepaying future income,” with the core...
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