This newspaper comprehensive foreign media reports German think tank research discovery，Many people have insufficient understanding of consumer debt costs。For this，Researchers suggest，Enhance the transparency of relevant information，At the same time, improve the financial knowledge level of the debtor，Avoid its excessive liabilities。

The official website of the German Institute of Economics has published a research report a few days ago，In Germany，There are two main behaviors that may make people a Bet365 lotto review consumer -related debtor，First, the overdraft function of using its check account，Second, apply for consumer loan。From the perspective of protecting consumers and maintaining social stability，It is very important to let people know the cost of debt，Otherwise, the family may face additional financial risks，It may even over -liabilities。other，Lack of information transparency may also affect the fair competition between financial institutions and the financial industry innovation。

Researchers in the summer of 2022 with 1011 German adults as the interviewee，Carried out online surveys。Research results show，More than 20%of the respondents used the overdraft function or consumer loan of the check account in 2022，bet365 Play online games 3%of the respondents often use the overdraft function of the check account，13%of respondents often use consumer loans。On average，When the interviewee uses the overdraft function of the check account，You need to pay the interest of overdraft debit interest with an annual interest rate of 9.23%; use consumer loan，Actual interest with an annual interest rate of 3.34%needs to be paid。Whether it is the overdraft function of using a check account or consumer loan，There are large differences in interest rates，20%check account overdraft functions pay interest at 11%and above interest rates，and the interest rate of consumer loans is 0-6%，may even exceed 6%。But what's surprising is，Not all interviewees know the cost of related Bet365 lotto review debt，About 44%of the respondents do not know what interest rates they repay the debt，About 25%of the respondents do not understand the final repayment period of debt and what consequences will be brought out。

To understand the financial knowledge level of the subject，Researchers asked the interviewee to answer with interest rates、Three problems related to inflation and diversification，Only 67%of the respondents can answer questions correctly。Researchers think，This shows that nearly 1/3 of the respondents lack basic financial knowledge，It is difficult to correctly evaluate the cost of borrowing。other，Information presentation method has an important impact on the decision of the respondent，When the interviewee only sees the amount of interest Bet365 app download per month，The willingness to overdraw or borrow for consumption will be stronger; when researchers show them the annual costs that the relevant borrowing may bring，The willingness of the interviewees will weaken。

Researchers think，From the survey results，To avoid people's over -debt，Need to help them get more financial knowledge，Increases its sensitivity to interest rates and borrowing costs，At the same time, it should be strictly reviewed whether the financial institution has correctly fulfilled the notification obligation，Especially whether it introduces the real cost of borrowing。

(Yao Xiaodan/Compilation)