Thank the chairman of the judges and say hello to all the people present! For this debate, we think that the advantages of microfinance outweigh the disadvantages to college students' consumption behavior.
Microfinance in a broad sense refers to all small personal credit loans, whose main characteristics are simply fast and unsecured. Consumer behavior refers to the sum of psychological and practical performances of consumers, such as demand psychology, purchase motivation and consumption willingness, and its main behaviors are as follows: purchase behavior. Consumer market refers to the exchange field or place of consumer goods (including labor services) based on commodity production and commodity exchange. It is the sum of supply and demand of consumer goods.
College students are in the transition period from consumption growth to maturity. Consumption is characterized by uniqueness, interest, fashion, conformity, comparison and blindness. However, college students have a certain ability to distinguish right from wrong. Based on the above, we think it should be discussed from the following two aspects, namely, the influence of micro-credit on consumption behavior itself and the influence on college students' consumption concept. Considering from these two aspects, we think that the advantages of micro-credit to college students' consumption behavior outweigh the disadvantages.
The reasons why microfinance has more advantages than disadvantages for college students are as follows:
It is beneficial for college students to get more benefits. In various large-scale shopping festivals, such as the Double Eleven, micro-credit provides enough funds for college students to buy more things they need with less money, so that the actual income of consumption can reach greater value.
Help college students seize opportunities. Time-sensitive things, such as online courses, need to be paid in a short time. College students can advance the next month's funds through small loans or buy them in installments, which can make full use of them and help them get good grades at the end of the term.
It is beneficial to help college students form a correct consumption concept. In the process of monthly repayment of e-commerce micro-loans, college students will gradually cultivate the spirit of contract, thus forming a correct view of consumption.