The Influence of Advanced Consumption on Families

The Influence of Advanced Consumption on Families

The influence of consumption in advance on families. In real life, advanced consumption is also called advanced consumption. There is no doubt that this concept of consumption has some disadvantages and will have an impact on our lives. Let's take a look at the impact of consumption in advance on families.

The influence of advanced consumption on families 1 Most of advanced consumption is unreasonable consumption that does not meet their own conditions, and some of it is out of the psychology of comparison; Some are because there is a fixed thinking: well dressed means rich, and frugality means poor; Some are because the family's economic situation can't meet the investment in their own education ... The advanced consumption consciousness and lagging consumption ability have become the main contradictions in the consumption process of college students.

We are not opposed to consumption in advance, because it can not only meet the needs of consumers and improve their quality of life, but also activate the market and stimulate economic growth. However, consumption should be based on rationality and proceed from one's actual bearing capacity.

Impulse consumption, the sensitivity of college students lies in their age. They have grown up but have no financial resources and poor self-control. They always buy goods they don't need impulsively for some reasons (price temptation, encouragement from others). Impulse consumption is also an emotional consumption. Most college students have no independent and sustainable financial resources. It is the non-independence of economy that determines the lack of college students' consumption experience, and it is impossible to rationally and correctly control and measure the consumption value and cost.

Money is spent today, and this concept of consumption is correct to some extent. The data of various institutions also show that the younger generation advocates "eating, drinking and having fun" and is becoming the "main force" of tourism consumption. Take the recent Qingming holiday as an example. According to the data of donkey mother, tourists aged 20-29 account for 40.9%, and tourists aged 30-39 account for 36.6%. Young tourists are "consumers" of Qingming tourism.

Described in the language of microeconomics, with the growth of people's age, the utility brought by paying the same economic cost is decreasing. Within the feasible budget constraints, don't be too stingy and spend money wisely. This is logical, it can make us get a return, and it is a correct consumption concept.

The correctness of spending money is based on the reasonable planning of consumption destination, which does not mean that it is all spent on eating, drinking and having fun. After all, college is not a place for wanton consumption and fun. If you spend money just for the sake of spending money, it is a wrong view of consumption.

Either frugality is the correct consumption view, or waste is the unreasonable consumption view. Everyone's consumption concept is not absolutely right or wrong, nor should they judge others by their own standards. There is no universally correct consumption view, and a person's consumption view can only be more correct if it is logically self-consistent. If the action does not match the purpose, it means that the logic is not good.

The influence of early consumption on families. 1, develop bad consumption habits! Taking flower buds as an example, it is also a function of "overdraft consumption", and the users are mainly young people. You should know that young people's consumption psychology is immature. If you try to use it, it is easy to indulge in "ahead of consumption", leading to bad consumption habits, becoming a moonlight family, and even being in debt. Therefore, it is best for young people not to "overdraw consumption"!

Second, lose financial awareness! According to the data, the post-90s generation is the main group of "advanced consumption", and their debt ratio is far greater than that of deposits. So why does "advanced consumption" easily lead to users' debt? In fact, the answer is simple! In the era of cash payment, when we pay for consumption, we will feel heartache.

At the same time, we will also take the initiative to save money, but in the era of mobile payment, money has been digitized. When we consume, the amount of digital currency in the mobile phone is reduced, so we won't feel much, so it will also lead us to spend money lavishly, and it is basically difficult for young people who use "ahead of time consumption" to have deposits!

Third, it is easy to affect personal credit information! Although the amount of most "credit products" will not be very high, and users will not intentionally fail to pay them back within the time limit, there will always be accidents and there will always be times when they have to pay back, such as missing the repayment date or being unable to pay back because of the epidemic this year.

But as long as there is overdue behavior, it will be uploaded to the bank's personal credit information system. If you become a faithless person, then the impact will be great. It is impossible to buy a house and a car loan, and even the education of children has a great impact!

The impact of advanced consumption on families 3 What impact will advanced consumption bring?

China has always been a country with high savings rate and storage culture.

In fact, the economist Keynes once had an argument called the paradox of thrift, that is, thrift is good for individuals, but it still needs to greatly improve the consumption level for society.

History always changes. In the early days, the United States also followed the Puritan principle of Mayflower and advocated getting rich and frugality through labor. However, with the development of economy and the improvement of living standards, the consumption of all kinds of luxury goods is also increasing, especially some consumption habits of European royal families are imitated by the rich.

With China's post-90s and post-00s consumer groups gradually becoming the mainstream of social consumption, on the one hand, they grew up in a relatively affluent age, lacking memories of material scarcity, on the other hand, they have more confident expectations for future development, and at the same time, with the development of the Internet, they will have a deeper understanding of various consumer goods, hoping to get these goods earlier, so the savings rate will drop. At the same time, the rise of domestic consumer goods prices such as house prices is also an important factor.

Generally speaking, this reflects the growing importance of consumption as an important engine of domestic economic development, which is a good thing. In particular, consumption can promote the production of higher quality products and promote the personalization and refinement of production. Under the background of promoting internal circulation in China at present, this is something worthy of recognition.

So, how should we treat the promotion of advanced consumption consciousness? I think it's a good thing on the whole. Advanced consumption shows that people have certain expectations for future consumption capacity, but it is worth noting that many people who advocate borrowing and credit consumption are concentrated in college students and other people. They still lack a rational understanding of society, so they need to strengthen the education of specific consumption accurately.

At the same time, too low a savings rate will also cause some problems. We should not blindly advocate high consumption and lead consumption, but need rational consumption, so that consumption can promote scientific and technological development and life happiness index, and ultimately play a positive role in economic development.

However, it is worth noting that the savings rate is also very important for a country. China's investment can play a great role in economic development, because the savings rate is relatively high, and China has long formed a financial system with banks as the core.

However, with the development of technology and finance, the banking system will gradually weaken ua, and China's financial system will undergo great changes. Therefore, China's financial institutions need to conduct in-depth research on this, improve the scientific and technological content of the banking system, and better cope with future challenges.