负债累累的人越来越多，什么原因造成了这一现状？
There are more and more people in debt. What causes this situation?
其实，大部分是由以下这些原因导致：
In fact, most of them are caused by the following reasons:
1、高房价和高学费：
1. High house price and high tuition:
在许多国家和地区，房价和教育成本越来越高，使得很多人必须借贷来买房或者支付学费。
In many countries and regions, housing prices and education costs are getting higher and higher, making many people have to borrow to buy a house or pay tuition fees.
这种情况下，即使收入不错，也容易陷入负债的境地。
In this case, even if the income is good, it is easy to fall into debt.
2、不良信用记录：
2. Bad credit record:
许多人由于欠债、逾期还款等原因，导致信用记录不良。
Many people have bad credit records due to debt, overdue repayment and other reasons.
这使得他们在申请贷款、信用卡等方面受到限制，必须支付更高的利率，从而导致更多的负债。
This restricts them in applying for loans, credit cards and other aspects, and they must pay higher interest rates, resulting in more liabilities.
3、高消费和物质文化的压力：
3. Pressure of high consumption and material culture:
在现代社会，消费和物质文化的压力越来越大，许多人经常会不理智地消费。
In modern society, the pressure of consumption and material culture is increasing, and many people often consume unreasonably.
他们可能购买不必要的东西、跟风消费、过度使用信用卡等，最终导致债务累积。
They may buy unnecessary things, follow the trend of consumption, overuse credit cards, and eventually lead to debt accumulation.
4、就业不稳定和低收入：
4. Employment instability and low income:
尽管经济增长，但是许多人的就业不稳定或者收入较低，这也容易导致负债累积。
Despite economic growth, many people’s employment is unstable or their income is low, which also easily leads to debt accumulation.
在许多行业，雇主更愿意雇佣临时工或者兼职工人，这意味着收入不稳定，难以计划和管理。
In many industries, employers prefer to hire temporary or part-time workers, which means that income is unstable and difficult to plan and manage.
5、缺乏理财知识和技能：
5. Lack of financial management knowledge and skills:
许多人缺乏理财知识和技能，不知道如何规划自己的财务和债务。
Many people lack financial knowledge and skills and do not know how to plan their own finances and debts.
他们可能不了解不同种类的贷款、信用卡、债务管理计划等，也不了解如何减少支出或增加收入，导致负债难以解决。
They may not understand different types of loans, credit cards, debt management plans, etc., nor how to reduce expenditure or increase income, which makes it difficult to solve liabilities.
当然，造成负债累积的原因是多方面的，需要个人和社会共同努力来解决。
Of course, there are many reasons for the accumulation of liabilities, which need the joint efforts of individuals and society to solve.
个人应该提高财务知识和技能，理性消费，规划自己的财务，同时社会也应该提供更多的教育和支持，帮助人们解决财务问题。
Individuals should improve their financial knowledge and skills, consume rationally and plan their own finances. At the same time, the society should also provide more education and support to help people solve financial problems.
