Masao Ishihara thought casually: "A ordinary Japanese young man in his twenties only earns 160,000 yen after tax every month.

With just this little money, it is not enough for you to sometimes open a bottle of wine. This is not the worst-ever Okinawa prefecture in Japan, or the income standard in Tokyo.

A single apartment in Tokyo costs at least 60,000 to 70,000 yen. This alone makes the money for ordinary Japanese young people only about 100,000 yen.

If you reduce water, electricity and gas one by one, mobile network fees, tram fees, meals and other expenses will basically be very little left. What else can you use to fall in love?

In order to save expenses, many small and medium-sized enterprises either eat a rice ball or bring their own rice for lunch. As for the purpose, they simply want to spend the money saved in other places."

Saki Ishihara looked suspiciously and said in disbelief: "It won't be so miserable, right?"

Masao Ishihara said bluntly: "You can get 16 after tax every month. A Japanese young man with 70,000 yen is considered good.

There are also those who only have 120,000 yen after tax every month. They live in old and dilapidated apartments such as Adachi, Arakawa, Katsushika, etc. like ants."

Saki Ishihara said innocence: "Since you have a small income, then work hard to make money! For example, use Saturday and Sunday to do a part-time job to increase your monthly income."

Masao Ishihara smiled dryly and said, "Don't you know that Japanese companies generally have such a regulation that does not allow part-time work outside?

As long as there are people who work full-time, especially regular members, they cannot work part-time outside. Of course, they must work part-time, not as long as they are not caught.

Only those who are working part-time jobs with hourly wages can take on multiple jobs openly. Even so, their income will not exceed 200,000 yen, or only 160,000 yen.

In fact, the two are similar in income. Parting multiple jobs is not only tiring than working a full-time job, but also working longer, and there are no other benefits and guarantees.

The most important point is that the hourly salary and part-time jobs are not stable. If you work here today and whether to work here tomorrow or not is a problem."

Saki Ishihara said with emotion: "That's really too bitter!"

Masao Ishihara said bluntly: "Survival issues have not been easy for ordinary people from ancient times to the present."

Saki Ishihara asked thoughtfully: "What if I urgently use money?"

Masao Ishihara smiled and said, "Credit cards and micro-loan companies will provide 24-hour caring services."

Saki Ishihara nodded and said, "Oh, so that's how it is!"

Masao Ishihara suddenly remembered what he saw in South Korea and said: "A credit card crisis is breaking out in South Korea.

The bad debtors are all in a state of turmoil, and some even go to a dead end. I’m talking about this to you, not that credit cards are bad.

Karuizawa Commercial Bank, a subsidiary of Karuizawa Group, is also issuing credit cards to the outside world. At this time, it is completely understandable to use a credit card to carry out a capital turnover.

What is the problem? It is that many people in many places have amplified their desire to consume by credit cards, thus gradually making advance consumption, exceeding their own economic capacity limits, and eventually getting over debt."

Saki Ishihara asked thoughtfully: "Is there no good solution to this problem?"

Masao Ishihara said in detail: "Not at the moment, and there will be no future. Just like one person kills another with a knife, can the existence of a knife be strangely there?

It can only be a problem of killing someone with a knife. There is no problem with the credit card itself, and even a formal microfinance company has no problem."

Saki Ishihara asked in a targeted manner: "Since there is no problem, why are there still big problems?"

Masao Ishihara pointed out: "No matter how good the scriptures are read in the mouth of a bad monk, they will become bad. Take this credit card crisis in Korea for example.

The original intention of the South Korean government is good, but it is nothing more than to boost its economy by stimulating domestic consumption. After all, while it was hit hard by the Asian financial crisis in 1997, exports also declined sharply.

South Korea is another country with an outward-oriented economy. It is a very fatal matter that this export is not good. Therefore, it has to adopt measures to stimulate domestic demand to stimulate the domestic economy.

The root cause of the problem lies in the fact that ordinary Korean citizens have no money at the hands of. If the economy is bad, there will inevitably be a wave of companies going bankrupt and bankruptcy, causing more people to lose their jobs.

Since ordinary Koreans have no money, they will lend money to spend. After the economy improves, their jobs will gradually increase, and they will be able to pay them back slowly.

The idea is very good, but it is seriously out of control in the actual implementation process. In order to achieve their own performance, banks and credit card companies in South Korea have put pressure on their staff.

In order to achieve goals and keep work, people will naturally use any means. They will have a job, no job, no source of income, no source of income, whether they are adults or minors... they will not conduct a serious review.

As long as people actively apply for a credit card, they will issue it. Not only will they issue credit cards quickly, but they will also give a large credit limit."

He paused when he said this, looked at Saki Ishihara next to him, and found that the little girl was still listening seriously, so he continued: "People who have no money to spend suddenly become rich, just like a long drought and rain.

At this time, let alone those with weak self-control, even those with strong self-control often cannot withstand such temptation.

For some people, instead of continuing to live a hard life that they don’t know when they can end up, they are drunk now.

Soon, buying and buying gradually became a mainstream consumption in South Korea. Everyone became like this, which further stimulated the spread of forward consumption."

Saki Ishihara added: "It exploded in the end."

Masao Ishihara laughed and said, "Yes, it's just blown up. South Korea is not the first country to have a credit card crisis, nor will it be the last one."

Saki Ishihara blurted out and said, "If you don't have money, don't spend it! What's the big deal?"

Masao Ishihara smiled and said, "It's easy to say. It's because you have never lacked money to spend, so you won't really understand and feel the pain that lack of money brings.
Chapter completed!