Therefore, the fact that China’s household debt ratio has reached a high level of 46.8% is a problem that requires great vigilance. Although this figure is still lower than that of developed countries at present, the signs of the problem have already begun to emerge. The central government started to stress the issue of deleveraging repeatedly in the last year, which is a very prescient judgment. If the household debt ratio is allowed to continue to climb, it will inevitably lead to a huge crisis. Therefore, we must strictly guard against the hidden financial risks.
所以，现阶段中国家庭债务率的水平达到了46.8%的高位是一件非常需要警惕的问题，这个数据在目前来看还是低于发达国家水平，但是问题的苗头已经开始出现，国家从去年开始就反复强调去杠杆问题，这是一件非常有先见之明的判断，家庭债务率如果放任其继续攀升的话，必然会引发巨大的风险，所以要严防金融风险的出现。