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在扩大消费政策的驱动下，传统消费提质升级，信息消费规模不断扩大，青年群体过度负债的问题日趋严重。研究构建了青年负债的“个体—结构”归因体系，以豆瓣网“负债者联盟”小组的网络文本为经验材料，深入剖析青年深陷“负债螺旋”的生成逻辑与传导机制。研究发现，青年债务困境呈现出三种演化路径：其一，成本收益错位下的生存发展型负债，是青年面对结构性挤压被迫跨期优化的理性冒险，易引发“贫困陷阱”；其二，消费主义霸权下的文化消费型负债，是身份建构与资本共谋的符号变现，易导致“消费陷阱”；其三，掠夺性信贷围猎下的环境诱导型负债，是金融科技降维打击的产物，易触发“算法陷阱”。青年群体的“负债螺旋”既是青年在不确定性语境下谋求生存与阶层跃升的防御性适应策略，也是宏观结构性风险向弱势群体不断累积与下沉转嫁的非预期后果。
Abstract：Driven by policies expanding domestic consumption, traditional consumption has undergone qualitative upgrading, and the scale of information consumption has continuously expanded. Concurrently, excessive youth indebtedness has become increasingly severe. This study constructs an “individual-structural” attribution framework for youth indebtedness. Drawing on online textual data from the “Debtors' Alliance” group on Douban as empirical material, it provides an in-depth analysis of the generative logic and transmission mechanisms through which young people become trapped in a “debt spiral”. The findings identify three evolutionary pathways underlying youth debt predicaments. First, the “survival-development” type, characterized by costbenefit misalignment, is a rational risk-taking strategy of intertemporal optimization forced by structural squeeze, which easily triggers a “poverty trap”. Second, the “cultural-consumption” type, situated within consumerist hegemony, represents a symbolic monetization resulting from the complicity between identity construction and capital, prone to causing a “consumption trap”. Third, the “environmentally-induced” type, arising from the encirclement of predatory credit, functions as an asymmetric strike by financial technology, which can readily trigger an “algorithmic trap”. Ultimately, the youth “debt spiral” is both a defensive adaptive strategy for survival and upward mobility under uncertainty, and an unintended consequence of macro-structural risks continuously accumulating and offloading onto vulnerable groups.
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基本信息:
中图分类号:D669.5;F832.4
引用信息:
[1]刘东,张君安.“负债螺旋”：青年债务困境的归因、传导及演化[J].当代青年研究,2026,No.403(04):52-67.
2026-07-20
2026-07-20