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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”。

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