科研之友
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摘要
China is known as a "nation of savers," but debt is becoming a reality for urbanized young consumers who grew up in prosperity and feel peer pressure to spend. Yet formal credit has a short history in China, and neither the law nor consumers’ financial savvy has caught up with the boom in predatory online micro-loans.Meanwhile, most financial services remain out of reach for rural borrowers. What will it take for China to balance the books?
