大学生透支买苹果超前消费负翁增多英语作文
More than 20000 Wuhan university students have handled guarantee services. According to the calculation of more than 1 million Wuhan university students, it is equivalent to that one out of 50 has handled loans. According to a street survey conducted by Wuhan Evening News, of the 169 college students interviewed, all said that they would not take the initiative to inform their parents before making a loan purchase. What if you don't have money to repay halfway? All respondents said "never thought about it"; There are very few people who say that if they can't, they can only rely on their parents to help.
In fact, the phenomenon of credit card overdraft is very common among college students. The procedures for handling credit cards are simple and convenient for consumption. After easy consumption, students who hold credit cards will soon face a situation of "high debt". XX applied for a credit card without telling his parents. Due to his weak sense of financial management and lack of planning, he often impulsively consumed. After applying for the card, he had to overspend almost every month. He said: "when I swipe my card, I don't nee
d to pay cash. I feel like I don't spend money. At that time, I didn't consider how to repay. Seeing that the interest increased every day, I had to make up some reasons to ask for money from my family, or borrow money from my classmates and fellow countrymen. Every month, I would be chased by the bank bills. I felt very tired and didn't want to learn."
"Card slaves" like him are very common among students. XX, a senior at Shanxi University, said, "I regret to apply for credit cards. Credit cards are not suitable for college students who have no income.". Since I got a credit card, I have overspent almost every month, spending money recklessly and irrationally. I often swipe my card to buy things I can't buy, but I swipe ordinary goods to become high-end goods. Anyway, I don't spend cash, but I'll overdraw first.
For mortgage consumption, even bear the credit stain, which is an obvious lack of financial intelligence. Relevant experts said that financial intelligence refers to a person's financial intelligence, that is, the rational understanding and use of money. Financial quoti
thriftent is one of the three indispensable qualities in modern society, which is juxtaposed with IQ and EQ. it is also a topic that can not be ignored and avoided in modern education. IQ reflects the survival ability of people as ordinary creatures, EQ reflects the survival ability of people as social creatures, and financial IQ reflects the survival ability of people as economic people in economic society.
A young man with financial quotient should consciously use reason to control his consumption behavior, and get rid of the time wall consumption modes such as leading consumption, conspicuous consumption and instant gratification as soon as possible. Secondly, financial intelligence requires self-knowledge. College students should understand that they are a special part of the consumer community and are pure consumers. This level of consumption depends entirely on the economic situation of their families. Within such a limited consumption scope, whether consciously or not, students must strictly control their consumption behavior to adapt it to the economic situation.
However, under the current education system in China, whether family education, basic e
ducation or professional education, they often focus on the construction of knowledge system and the cultivation of emotional intelligence. Financial intelligence education seems to have become a forgotten corner in the educational field. And we are a country that lacks the tradition of financial management, so the overall level of financial intelligence is low. Due to the lack of real and effective financial intelligence education, people tend to go to two extremes in financial management practice: either stick to the original one-sided understanding and blindly measure in and out; Either they have no ideas, follow the trend of consumption, and blindly follow up without analyzing their own situation.
Integrating financial intelligence education into the current education system is the inevitable means to alleviate the irrational consumption of college students.For college students who still rely on their parents' support to study, they buy and use "apple" in the form of debt repayment mobile phones are indeed suspected of "excessive consumption". However, from the point of view that the person who is fully responsible for the behavior at the age of 18, buying "apple" in debt may not be a bold choice for an adult to "be indep
endent", so people should not be surprised. Although college students still belong to the group without economic income, they are adults in the legal sense after all, and have the right and should be able to decide their own behavior. As far as buying mobile phones in debt is concerned, they must have their own reasons - not necessarily for luxury and following the trend, but also for the established repayment plan, "don't tell your parents"It is also to show their "independence" and self-confidence.

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