The harmfulness of consumption in advance is no longer the same in this era. There are many channels for borrowing money, such as online loans, credit cards, flower beds, etc., but these are actually consumption in advance, which is very harmful. Let's take a look at the harmfulness of consumption in advance.
Harmfulness of consumption in advance 1 There are many dangers of consumption in advance. Undeniably, consumption in advance is a double-edged sword. While affirming its benefits, we can't ignore the negative impact it may bring to society. Just as there are successes and failures in investment, there are risks in credit consumption.
There are many dangers of early consumption. Bell once had such a wonderful theory about installment payment prevailing in the west: the most serious weapon that caused Protestant ethics was installment payment system or direct credit. The phenomenon of "negative Weng" is a unique product of advanced consumption. If it is not properly controlled, it will bring adverse effects on social thought and economy.
There are many hazards in consuming ahead of time, which will stimulate people's pursuit of material things. The excessive pursuit of material enjoyment has also made money worship in society increasingly serious, and the public's values and outlook on life are extremely distorted, even resulting in extremely destructive hedonism and unrealistic waste culture.
There are many dangers of early consumption. If this "negative person" in the city lacks effective institutional norms and constraints, everything will only go to the opposite side of expectations; The stability of economic development will be affected, and behind the expansion of domestic demand is the flood of bad debts of banks.
There are many dangers of early consumption, which may lead to many dangers of "out of control": on the one hand, it will infringe on the property of both borrowers and borrowers, resulting in a social credit crisis; On the other hand, it will also affect the debtor's reputation, causing them economic and mental stress and even economic disputes.
There are many dangers of early consumption. And excessive consumption in advance will also bring consumers more pressure than they can bear. If they spend money out of comparison, the subsequent repayment pressure will inevitably increase the economic pressure, thus causing psychological pressure, and their quality of life and their own mentality will also be affected.
The result of a questionnaire survey shows that up to 98.09% of people with mortgages in China have anxiety.
There are many dangers of early consumption. Step by step is the law of social development. Any impetuous mentality that encourages young people is extremely harmful to social development. Today, we are addicted to building castles in the air, and tomorrow, we will suffer the pain of falling from the air.
There are many hazards of ahead consumption, which is the inevitable product of social development. We should try our best to prevent over-consumption from becoming over-consumption, so that this "double-edged sword" can not only give full play to its advantages, but also try to avoid potential risks. In the United States, it is very unlikely that consumer credit will bring disaster to the social economy.
There are many dangers of early consumption, because there are many complete institutional norms that match the consumer credit system. From the beginning of lending, the "negative Weng" is under institutional monitoring: whether there is a record of bad credit reduction, whether it has the ability to repay debts, how to spend the borrowed money, and so on. With these institutional norms, the "negative man" is within the institutional framework.
There are many hazards of early consumption, and it is necessary to establish a series of supporting systems if China wants to control "negative people" to develop in a healthy direction.
Harmfulness of early consumption 2 No.65438 +0 Adverse effects: it is easy to develop bad consumption habits; In the past, many people were afraid to spend money lavishly, because once the money was gone, it was really gone. With super consumption, even if they spend a lot of money, they have no money to repay. They can choose the minimum repayment amount or play the role of repayment, which can link the pressure of super consumption to a certain extent.
The second bad influence: it is easy to cause personal credit problems; Although the author thinks that most people's flower beds are generally around several thousand yuan, we should not deliberately not return them for these several thousand yuan, but there are times when we have to. It is only this year that the flower beds gradually begin to access the central bank's credit information, that is to say, once they are accidentally overdue, it will affect personal credit information.
The third bad influence: can't save money; Many young people, because they are addicted to "spending in advance", have made ends meet and failed to restrain themselves in time. As a result, they could not save any money. Maybe in a few years, all your work income will be used for repayment, and there is no deposit at all. When you really want to get married, you will be short of money.
Young people's loan consumption
According to the data of the central bank, at the end of 2008, the total outstanding credit for half a year was 3.377 billion yuan, reaching 79.743 billion yuan in the first quarter of 20 19, which was 22 times higher than that in 10. This figure is really terrible, which shows that many people are in debt now. Whether it is a credit card or an online loan, most users are young people.
From decades ago to now, the consumption habits of Chinese people have been changing. People of their parents' age may only earn fifty or sixty yuan a month, but they can still save twenty or thirty yuan. Later, young people became moonlight families, and they spent a lot of money when they got paid every month, but they were in trouble at the end of the month.
Nowadays, young people simply spend tomorrow's money to realize today's dreams, frequently use credit cards or borrow money online, hoping to get what they like, rather than buying necessities.
Although the lifestyle of young people looks glamorous on the surface, there are great hidden dangers behind it. I feel a lot of pressure when I pay back the money, and I regret it. Many people whisper to themselves: If I had known this, I wouldn't have bought so many things.
This year, affected by the COVID-19 epidemic, many people lost their jobs or their wages dropped sharply, which led to overdue repayment. Credit will be collected after the deadline, so friends who often use credit card loans may wish to search online business assistants on our daily chat software to see your bad and stains. Treat stains early.
Rational consumption is the most important
Although in recent years, major banks have strengthened the management of credit cards, once they find illegal operations, they may face the danger of reducing the amount and sealing the cards, and the audit of issuing cards is also very strict, but it cannot solve the fundamental problem. Some people go online without a credit card, which leads to more and more loans, like snowballing.
The reason why young people's consumption concept has changed is due to the influence of social environment and their own factors. Many people keep up with the joneses, and others should have their own, or just to save face. The final result is to put themselves in a dilemma.
Some people say that many businesses now offer installment payment to buy goods, which also leads young people to spend money without fear. In fact, this has nothing to do with what kind of activities the merchants launch, but with their own ideas. This consumption pattern is very irrational.
Young people completely underestimate themselves by spending in advance. Some people think that they can pay back the money in a short time, or that there will be no mistakes according to their own plans, but in fact, when they pay back the money, they know that the pressure is very great, or once they are accidentally affected, they can't pay back the money in time. These are all very realistic situations.
Harmfulness of consumption in advance 3 Nowadays, most children are only children, and they play an important role in the family. Parents' concept of "no matter how poor they are, they can't be poor" often makes their children "consume ahead". For these children whose consumption concept is not yet mature, "ahead of consumption" has endless harm:
1, "ahead of consumption" is easy for children to form a bad habit of extravagance and waste.
2. Develop the idea of being lazy. Children who are "ahead of consumption" are "rich" in money, only know how to squander and enjoy, regardless of the hard work of their parents to earn money. They refuse to suffer hardships in their daily study and life, and their minds are full of considerations about how to consume and enjoy.
3. There is hedonism. With the development of economy and the improvement of people's life, modern children's outlook on life and values have also changed. "Consumption in advance" allows them to eat, drink and be merry in time. They are often immersed in Internet cafes, keen on reunion and outing, and even some students are "drunk today" and do not make progress.
In short, "ahead of consumption" will often make children lack progress, pursuit, disorientation, and even lie, steal, rob and other serious adverse consequences because their desire for growth is not satisfied. Therefore, it is very important to guide children to establish a correct concept of consumption.
Nowadays, more and more young people have developed bad consumption habits: credit cards, spending money and borrowing money. These so-called "advanced consumption" make more and more young people "make ends meet" almost every month.
Every month, there is almost no money left, which makes young people feel "too extravagant".
Therefore, the change of consumption concept brought by advanced consumption to young people is very great. They are "happy" when they buy, but they feel more and more stressed when they borrow money.
Therefore, this concept of early consumption will make more and more young people fall into a "vicious circle" of consumption habits, and will not let young people "live within their means". Many young people sometimes buy some luxury goods without thinking, because they have convenient ways to borrow money, and they have developed the habit of "spending money lavishly".
Nowadays, more and more college students are attracted by the so-called "loan APP" with convenient and fast loan procedures, buying luxury goods that "make a swollen face and fill a fat man", and then carrying these private lending companies, there is no way to recover debts. It can often be seen in the news that these are the dangers brought by advanced consumption.