Shanghai: Ma Yiqing, 24, is typical of China's younger generation - he uses his credit card frequently and borrows from online platforms to fund his shopping habits. In a pinch, he is happy to fall back on a lender closer to home - his mum and dad.
Interviews with Ma, a single-child, his mother and grandmother, show how rapidly attitudes towards credit are changing as the millennials generation - roughly those aged between 18 and 35 - embraces debt like never before.
The frugal attitude of previous generations produced the bedrock of China's credit worthiness - household savings equal to some 50 per cent of GDP, one of the highest levels globally.
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