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Assignment代写:Consumption in advance

2018-09-06 来源: 51due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- Consumption in advance,供大家参考学习,这篇论文讨论了超前消费行为。超前消费,就是超出一个人的收入能力,为追求享乐,从而消费高品牌、高档次的商品。这种行为属于盲目从众的消费行为,与此同时,这也是一种不量力而行、不顾后果的消费方式。从市场的角度分析,这是虚假的社会需求,最终将导致整体市场扭曲变形。如今,超前消费模式已突破传统消费模式,形成一种以信誉为基础借贷货币,提前消费的模式。

Consumption in advance,超前消费行为,assignment代写,paper代写,美国作业代写

With the rapid development of credit in the financial industry, credit-based advanced consumption is becoming more and more popular among the post-1990 generation, especially the contemporary college students. The advanced consumption pattern breaks through the traditional consumption pattern and forms a credit - based lending currency and advanced consumption pattern. This paper is based on the collection, summary and analysis of data, so as to analyze the current situation of the post-90s generation's advanced consumption and predict its future development trend.

Consumption in advance refers to the consumption of high brand and high-grade goods beyond one's income capacity in pursuit of pleasure. This kind of behavior belongs to the consumption behavior that follows the crowd blindly, at the same time, this also is a kind of consumption pattern that does not act according to one's ability, regardless of the consequence. From the perspective of the market, this is a false social demand, which will eventually lead to the distortion of the overall market. From the analysis of morality, it is a bad habit of extravagance and waste. If more people get into this bad habit, it will eventually ruin the social atmosphere.

The post-1990 generation refers to all Chinese citizens born between 1990 and 2000. At the same time, the post-90s generation is called "cool and reliable" generation, because they are brave to accept new things, are the priority experiencers in the information age, are the synonyms of youth, and also have the spirit of responsibility.

With the development and innovation of the Internet, more and more kinds of lending institutions have grown up through the Internet. The post-90s generation, who have the most access to the Internet, have a strong sense of consuming in advance and will become a new force in Internet finance.

The biggest target group of overconsumption is the post-90s generation, especially the current college students.

The post-1990 generation is willing to try and challenge new things. Therefore, compared with other groups in other ages, the proportion of them who choose to consume in advance is relatively large.

The post-90s generation generally have an annual income of 100,000 to 300,000. Once they have a stable income, they will choose to consume in advance, because they believe that the income in the future can balance the expenditure now.

The post-90s generation are basically in their youth. They need to spend money in many fields, such as buying a house, buying a car, buying high-tech products, travelling, entertainment and fitness. Therefore, faced with so much consumption, they are more likely to overspend, such as mortgage payment, credit card, etc.

Post-90s generation, especially college students, will have a comparison mentality. This will lead them to consume blindly and unrestrained, which will result in their own debts and their families.

Urban residents have been consuming in excess, and their consumption is always greater than their income, but the difference between the two is in a relatively stable state, which shows that the amount of state financial subsidies is at a stable level. For ordinary residents, the top three areas of per capita consumption are food, housing and transportation, which are somewhat different from the special group born in the 1990s.

The post-1990 generation consumes a wide range of areas, involving all areas of life. With the improvement of life quality, the post-90s generation spend more money in travel and entertainment. It can be seen from this that the post-90s generation enjoy life more, and they are not limited by income and dare to enjoy life in advance. Secondly, digital products and automobiles are the areas in which the post-90s group consumes more in advance. It can be seen that the post-1990 generation consumes and USES high proportion of high-tech products, which also highlights their characteristics of pursuing and challenging new things. Secondly, they spend more on fitness and clothing, which implies that the generation born in the 1990s pays more attention to the pursuit of external beauty and the health of internal body. They pay more attention to the combination of internal and external health and beauty, thus becoming a healthy, sunny and lively generation.

The post-1990 generation consumes a lot of things, and it is no longer the same as in the past. They consume in a variety of areas, and each area consumes more, resulting in more spending each month. Most of the post-90s generation just make ends meet, and most of the post-90s generation consume more than they make ends meet, and their income is greater than their expenditure, and there is less surplus. From this point of view, the generation born in the 1990s is more prevalent in excess consumption.

As China's economy continues to climb, the positive ripple effect is to provide more jobs and well-paid jobs for the society. It is this that makes the post-90s generation full of hope and confidence for their future career, so they dare to consume in advance.

Family has a subtle influence on the formation of a person's various ideas and habits. The cultivation of children's moral education is the focus of traditional Chinese family education, but now it is more about morality, intelligence and physical fitness, ignoring the cultivation of children's consumption. The post-90s generation are basically the only children, and the parents will basically satisfy their children's needs, which is also the behavior that spoiled them into their extravagant spending habits.

Most of the post-90s generation "follow the trend" and "follow the feeling" in consumption, even pursuing excessive consumption. In the school, students are more exposed to academic education, and there is less education in the courses of financial management and behavioral constraint.

As the main consumers, the change of their own consumption psychology has a great relationship with the anticipated consumption in advance. Most of the post-90s generation are in the period of the most vigorous emotional pursuit, with a strong desire for knowledge, achievement and consumption. Today, with the rapid development of China's economy and the abundance of material products, this desire for consumption will be called from the bottom of my heart.

With the initial entering into a well-off society, the transformation of people's consumption concept and the result of sublimation is advanced consumption. Debt is also a source of motivation and stress. Moderate debt can effectively increase investment efficiency, increase family fun, and improve the average quality and standard of living.

Overspending can activate bank funds. It is graded on the basis of the customer's age and regular income, so as to check the maximum limit, term and interest rate of the loan and loan to the customer for the purpose of charging interest. The deal was not made out of thin air, but based on collateral.

Everything in the world has two sides, so does expected consumption, which has brought some disadvantages while stimulating China's economic development. Excessive and improper consumption has placed a heavy financial burden on families and even led to suicide to end their debts. Therefore, we should advocate scientific consumption and rational consumption.

Most of the post-90s generation are not completely independent in economy. Therefore, they should choose their consumption class according to the actual living and learning conditions and the specific consumption needs. The consumption of post-90s generation must abide by a degree, act according to one's ability and limit according to one's ability.

The post-1990 generation should make consumption plans in the near, medium and long term, and ensure that these plans are affordable to themselves and their families. At the same time, more detailed consumption projects, to achieve "consumption, know."

After college, many only children born in the 1990s start to live independently and have little experience in independent financial management. Therefore, schools should shoulder the responsibility of post-1990 financial management, and develop good financial habits. For example: schools are required to increase their financial literacy.

To sum up, the post-90s generation should not only learn the textbook content well, but also improve their self-learning ability, thinking ability and ability to distinguish right from wrong, and eventually become rational consumers.

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