新闻
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China

银行不能看着 大学生消费“寅吃卯粮”

2017-09-08 09:26:56   央广网

大学生提前消费,实际上是过度消费。而银行等信贷机构轻易地发放信用卡或贷款,很可能使理财观念薄弱的学生陷入恶性循环。

随着各大高校陆续迎来开学季,大学生的“开学装备”和消费水平再次成为舆论热话题。近年来,伴随着物质生活水平提高,大学生的日常开销也随之水涨船高。动辄上万元的电子设备、每月上千元的生活费,让不少家长感慨“压力山大”。(9月6日中国新闻网)

近年来,大学生“超钱”消费现象,备受舆论关注。调查显示,中国大学在校生月均消费1212元,近三成在京大学生每月生活费超过1600元。大学生群体具有较强的消费能力,但生活费主要来源依然是父母,除此之外,信用卡或信贷也是主要来源之一。

在消费观念与国际接轨的呼声中,在各类消费资讯的鼓动下,部分国人争先恐后地抛弃“以俭为德”的古训,大踏步走进“举债消费”的行列,而一些在校大学生,也纷纷尝试“提前消费”。不可否认,提前消费对于当代中国来说,其价值依旧存在,不能因噎废食。然而,提前消费只适应特定人群和特定时段,对于在校大学生来说,提前消费是一种高风险的消费方式。

大学生是纯粹的消费者,基本上没有收入,往往通过信用卡或信贷去满足自身的消费欲望,购买一些超出自身承受能力的商品。

换言之,大学生提前消费,实际上是过度消费。而银行等信贷机构轻易地发放信用卡或贷款,很可能使理财观念薄弱的学生陷入恶性循环,为了还钱饿肚皮,或拆东墙补西墙,甚至做出违法乱纪的事情。山东潍坊一名18岁女大学生,接到信用卡中心22个催款电话,称须一天之内还8500元,不堪承受压力跳河身亡,就是一个沉痛教训。

银行业当然希望公众都来信贷,“花明天的钱享受今天的生活”,这样可以有更大的利润。但作为一个负责任的企业,也应该提醒大学生不要负债消费。银行应从追求利润最大化,转化为追求合理的利润,引导大学生理性消费。

当然,给大学生发信用卡或放贷,并无不妥,但应该以助学和创业为主,即便是发放消费卡或信贷,也需尽量规避大学生的消费风险,帮助他们端正消费心理,养成理性消费、合理消费,崇尚勤俭节约的生活态度,不再“寅吃卯粮”。

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170908/31320563.html
Server: cms-8-251
Date: 2024/11/15 07:14:54

Powered by China
China