Spending money is a temptation. What do the spenders think?

Statistics show that the number of post-90s generation in China is 65.438+75 billion, of which post-90s generation without debt accounts for 654.38+0.3.4%, and 86.6% have used credit products.

It has become a common social phenomenon that young people are bundled with consumer loans.

Unlike going to the bank to open a traditional credit card, everything has become convenient and fast in the Internet age. There is no longer any threshold for young people to open consumer credit products such as "Bai Hua", "Borrowing" and "JD.COM". COM white strip. "

When the credit boundary extends to you, this convenience is fast. For young people with poor self-control and lack of resistance to temptation, especially inexperienced college students, it is entirely because Alibaba shouted "open sesame" and entered the cave of wealth. There is money everywhere, and money is like running water.

As a result, young people generally make ends meet, but in the end they are in a dilemma because they are unable to repay debts beyond their ability.

It's already like this. The younger the group, the more addicted they are to borrowing and spending.

If you ask young people why they are so addicted to spending money? Don't you know that pies don't fall in the sky?

People born after 1990 may say that the world is so colorful that all kinds of novel and unique products want to experience it; Besides, I want to be more fashionable than others, so I spent a little more. I need to fully satisfy vanity and greed.

There is nothing wrong with this idea. It is convenient to drive, cool to use and has a good experience. What's more, in the world of young people, there will be no upper limit or lower limit to fight. However, at the end of the month, there is a "D": your bill is "Baihua" and "JD.COM". COM "Bai Bai" and "Borrow Bai" arrived. Looking around, they spent nearly 10,000 yuan. ...

This time, my heart began to beat faster: the rent was paid, how to pay the rest?

In fact, the post-90s generation should ask themselves: What did I do and spend so much money?

In reality, no one will admit that he is a fetish (too low-level), but the act of spending money like water is really undeniable. When you owe more than 10,000 yuan a month, the best way is not to gnash your teeth and blush and delete a lot of loan apps or even scold yourself, but to turn off the inner wall of the darkroom and reflect on one thing: how am I addicted?

Why are you addicted to spending money? Man is an animal, whose instinct is to eat, drink and be merry. He has no brain and can't think about other things. Different people need to be conscious and decisive. Most people's decisions and consciousness are unconsciously dispelled by the environment, which is still unclear.

For example, men don't realize that urine always splashes on the outer edge of urinal. The school thought about it and printed an elephant or an autobot directly in the urinal, and then the phenomenon of urine splashing was reduced-because people would aim at elephants or autobots.

In the student canteen, French fries and fried food are placed on the top food shelf, which is not enough for you to hold or even watch; Healthy foods such as fruits, vegetables and organic foods are usually placed in the most accessible places, so that students will naturally get them and eat more healthy foods.

These practices are simple. They don't push people or preach what they have to do, but they have an effect. The operation lies in making full use of people's psychological weaknesses or characteristics, changing the environment and guiding people to do things in the direction they want.

Therefore, you may not be born to spend money, but you have more opportunities to get in touch with financial products at the right time, and these financial products are just so simple and quick to use. Besides, you are still young, and you are reluctant to use it.

Personal and environmental cognitive abilities know that when recruiting product managers, psychology and sociology will be given priority.

Why? Psychological research restores people's behavior sources and trajectory dynamics, and then designs products according to your moving lines. Every product you buy will almost certainly have a pain point, which is expressed by the product designer in his position.

It's not what you chose, but that they designed this thing according to your personal characteristics. You're addicted. You can't help it, because that's who you are.

In this way, consumers will be completely eaten by the product side.

Just like consumer loans, it is a truth that you are obsessed with vanity, like to compare with others, like to follow the trend, spend money irregularly, be curious about the world, and like to experience these psychological characteristics of adolescence. You are dragged by your own desires before you get married with a consumer loan that changes your obedience. If you turn your back on me in the future and ask you to pay back the money, you deserve it.

In addition, people, as social animals, are integrated with the surrounding environment. Especially young people, not only have detached psychology, but also hope to have a sense of security and unity in the crowd.

Everyone else is using me. It's useless. I feel sand sculpture or out of date. For young people who have no discernment, it is so important to get along with others and use it decisively!

However, it is this "gregarious" thinking+intemperance that makes consumer loans mainly spread among the post-90 s groups, but not popular among adults over 30 years old.

Therefore, the post-90 s groups are generally deeply involved in consumer loans, which seems to be a problem of groups or individuals, but it is actually a problem of the whole social environment.

A psychological experiment was conducted in a cinema in the suburbs of Chicago. The experimenter just wants to verify a question: under what circumstances will people eat the most popcorn?

Experiments show that people who come to the movies generally show a characteristic: the audience who took a large bucket of popcorn before entering the venue ate 53% more than the audience who took a medium bucket of popcorn. It is equivalent to the audience taking a big barrel and getting almost 2 1 from it.

In other words, eating more and eating less is only related to one thing from beginning to end, and that is the size of the popcorn bucket.

Since then, the experimenters have also changed all kinds of cinemas and crowds, but no matter whether they choose cinemas in Pennsylvania, Illinois or Iowa, or old people, middle-aged people and young people, no matter what kind of movies are shown, the results of all experiments are the same: the bigger the food container, the greater the audience's appetite.

Seeing this, you should know how small factors in the environment affect people's behavior decisions, right?

When all kinds of credit products appear around you and everyone in your social circle is using them, environmental factors have begun to affect your decision-making and judgment. There is no doubt that you will take the time to pay attention to them, whether you really need them or not; At the same time, there is no doubt that you will use it, because after all, the product has been designed very conveniently.

Good science and technology, good cultivation. Human weakness+environmental factors = addiction+sinking. On the whole, it's really not one person's fault.

The development of financial products is a good thing, but if the designer's motives are impure and the users are unrestrained, the two will fan the flames and eventually burn out. People who play with fire, of course, and then the social body will be damaged.

"Good science and technology" is a slogan that enterprises who are alert to "the harm of science and technology" will think of and use. Because rational people know that if the initial motivation of product designers is not pure, technology will bring people not only convenience and efficiency, but also disaster and loss.