What factors affect young people's advanced consumption
What factors affect young people's advanced consumption? Now many college students' consumption concepts are quite incorrect. Under the influence of family income, family environment and all parties. Many college students have developed the habit of spending ahead of time. So what factors affect young people's advanced consumption? What factors affect young people's consumption ahead of schedule 1
1. Influencing factors
(1) Individual characteristic factors
There is no correlation between individual characteristic factors of college students and consumption ahead of schedule. The gender difference between boys and girls can only affect their consumption preferences. The prosperity of the city where college students were born and their monthly living expenses can only affect their consumption level, but not their advanced consumption behavior. This shows that whether college students choose to spend in advance has nothing to do with their gender, grade, place of growth and monthly living expenses.
(II) Security of the lending platform
The security of the lending platform has a great influence on the behavior of exceeding consumption. Compared with the advantages of ant flower bud, which has platform guarantee, the amount of which is within the acceptable range of students and does not require interest, and can be paid directly, it is the first choice for college students to spend in advance. For other lending platforms, the utilization rate of college students is extremely low, which shows that the safety awareness of most college students is still relatively high.
(3) consumption plan
College students have certain plans for ahead consumption, which can better balance the debt brought by ahead consumption and their own income. However, there are some impulsive factors, such as "chopping hands" when encountering discount promotions. Generally speaking, college students have certain cognition and planning for their advanced consumption behavior.
second, the impact of the consumption behavior ahead of time
(a) the positive impact
1. Stimulate consumption and stimulate the economy
As an extremely special consumer group, college students. It plays an irreplaceable role in current economic life, especially in leading consumption fashion and improving consumption composition. The number of college students is huge, accounting for almost 8 or 8% of the national population, with huge consumption capacity. Although they are not independent in economy, in order to satisfy their own consumption desires, they will spend by means of leading consumption, which stimulates consumption to a certain extent and drives economic development.
2. Improve the quality of life and relieve stress
The main living expenses of college students include basic living expenses, study expenses, entertainment expenses and interpersonal expenses. Especially after entering the university, it is impossible to plan interpersonal expenses, and departmental gatherings, classmates' birthdays, holiday gifts, etc. will all become unexpected expenses. Therefore, to some extent, spending in advance can alleviate the pressure of life caused by interpersonal expenses in the current month and improve their quality of life.
3. Establish credit awareness and accumulate part-time experience
The online lending platform needs college students' credit vouchers as a guarantee to ensure that college students can repay their loans on time and establish their credit awareness and contract spirit. In order to repay the loan on schedule, they will also take part-time jobs in their spare time to earn living expenses, which will improve their social experience and work ability to a certain extent, and also improve their self-control ability.
(2) Negative effects
1. Excessive consumption is risky
Moderate consumption ahead of time can indeed alleviate the pressure of college students' life and meet their consumption needs. However, because college students' minds are not mature, they can't grasp reasonable consumption, which leads to excessive consumption in advance. Their expanding consumption desire and the influence of marketing propaganda such as consumerism and exquisite life often lead them astray, and some college students even embark on the road of campus loan.
2. Bad consumption behaviors are increasing
Contemporary college students generally pursue individuality, and it is easy to have the psychology of being vain and enjoying themselves. They often lack self-control, and their pursuit of material entertainment is increasing. Advanced consumption is also mainly used in clothing, cosmetics, electronic products, tourism, etc., and spending on fitness, study and other self-improvement is often very small, which is easy to produce bad consumption behaviors. What factors have influenced young people's consumption in advance? 2
The lack of their own consumption concept < P > At present, almost all college students are born after 199s. In the rapidly developing society, they have received a good cultural education, but at the same time they are infected by the idea of worshipping money and pursuing fashion personality. University life and society are interrelated, and money worship in society has also entered the university campus through various channels. Under the influence of the above two aspects, many students studying in colleges and universities slowly ignore the' actual needs' of personal consumption and the actual purpose of consumption, resulting in consumer demand that is not in line with the actual situation.
The consumption behavior of these students gradually exceeds the realistic conditions, and they show off their wealth and compare with each other, thus developing various behaviors of luxury consumption. In this way, they try to show their maturity and youth to the society.
The influence of family factors
Parents are children's first teachers, and the family is the place where people receive their first lessons after birth, which has a subtle influence on people's growth, the formation of ideas and the formation of various habits. However, the education of children's normal consumption concept is neglected in the general Jiatong education. Traditional family education focuses on the cultivation of children's moral education, while modern family education focuses on the cultivation of morality, intelligence and physique, but a relatively weak link in family education has always been the cultivation of children's consumption.
Many parents themselves don't have a healthy consumption concept. The post-9 s college students are basically only children, and their parents can basically meet their consumption needs. Even if the family is poor, parents would rather suffer for themselves than their children who go to school outside. This kind of doting behavior encourages children's extravagant consumption habits. What factors affect young people's consumption ahead of time? 3
First, fall in love. Male college students do not have the same stable financial resources as working adults, but they have the same emotional burden as social people! Don't be extravagant, date with female tickets for a month, have dinner and give some small gifts. During the small holidays of May Day and National Day, two people may go out for a trip, take 1, steps back, don't give gifts, eat AA, and don't go out to play. Then the money for opening a room is necessary.
Girls, too, in order to dress themselves up and please their lovers, cosmetics, skin care products, such as poplar lipstick, foundation, air cushion, perfume, etc., don't think that women in love don't have to spend money, cosmetics are a big hole that has made women lose everything, believe me! Usually I need buy buy clothes and stuff, right? So, to sum up, falling in love may be one of the reasons for spending in advance. The living expenses given by the family are so little, and I am embarrassed to ask the family for it. They are all adults.
Second, vanity psychology, for example, you are obviously limited in ability, but you are pretentious. You have to compare with others and flaunt yourself with famous brands or squander money.
Third, the university is an ivory tower and the beginning of our contact with society. Influenced by the surrounding environment, ideas or other factors, my outlook on money has changed, and I can accept advanced consumption in my mind.
what is affecting their consumption concept?
first, the development of information and the propaganda concept of merchants. The development of information is easy to understand, because with mobile phones, you can receive all kinds of news and know a lot of things anytime and anywhere. In order to seize consumers, businesses try their best to attract consumers, which is easy for college students who are not deeply involved in WTO to be tempted.
Second, the change of life naturally brings more desires, such as the pursuit of beauty, such as deliberately blending into the environment, such as the yearning for a better life. As long as people have a strong desire for something, they will try their best to get it.
Third, because the interest rate of small loans is very low, and because of the long term, the average amount of money seems to be really small every day, which is scary and deceptive and easy to fall in.