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Where are the papers on advanced consumption?
Current situation:

Most parents agree that parents should help their children finish their studies. However, the special age group has given them a strong desire to consume, and many high-end consumer goods have entered the consumption map of college life.

Besides tuition and accommodation, how much does a college student spend each academic year? The results are as follows: 4.3% of college students spend less than 3,000 yuan a year; 5000-8000 yuan accounts for 40%; 30% of 3000-5000 yuan; More than 8,000 accounts for 25.7%, of which the most is 20,000 yuan. 60% people have mobile phones; 27% people own computers; 20% people have PDA;; ; 72% of people own MP3. College students already have obvious brand preference. According to the survey, 57.7% students like to buy products with unique styles, followed by "simply pursuing fashionable, fashionable and novel things (30.4%)". The consumption of computers, mobile phones and digital cameras is basically dominated by foreign brands. In terms of leisure sports consumption, Adidas and Nike are still attractive, while Li Ning and Anta have also won a place among college students.

In the survey, it is indirectly known that the main source of income of college students is family supply, accounting for 95. 16% of the surveyed population, and less than 5% of the students rely on the support of relatives and friends, work-study programs, loans and scholarships. Answering "What will you do if you overspend this month?" 47.47% of the students choose to spend money next month, 20.22% choose to ask their parents for money, and some choose to work part-time. It can be seen that college students are still very dependent on their parents.

In addition to on-campus eating, off-campus dining has also become an indispensable part of college students' dietary consumption. The proportion of eating in individual restaurants reached 95.7% of the total number of people surveyed every month, and the cost of eating out of school for freshmen and sophomores was significantly higher than that for juniors and seniors. According to the analysis, this may be related to the fact that freshmen and sophomores face college life alone for a short time, and their consumption is slightly irrational compared with juniors and seniors. When eating out of school, college students generally control their expenses below 80 yuan, with 20 yuan and 20-40 yuan accounting for the most.

"Steamed bread saves money and falls in love with pickles", and sacred love also needs a strong economic foundation. Many college students told reporters that there is no free lunch in today's love, and some boys spend a lot of money on love, even at the expense of debt. "Even if you don't eat for three days, you should buy flowers for your girlfriend" has become a creed. It can be described as "love is bigger than the sky" with a popular lyric.

In the questionnaire, "Are you in love? How much do you spend on love every year? " 72.4% people think that they should fall in love, 20.6% people disagree with this view, and about 7% people choose "unclear". The money spent on love consumption ranges from 500-3000 yuan every year. Love spending is mainly in eating, snacks, shopping, bars and entertainment. Gift consumption is the absolute "big head" in love consumption. On holidays (Valentine's Day, Christmas, etc. ) or two people's birthdays and special anniversaries, lovers must exchange gifts, ranging from tens of yuan to hundreds or even thousands of yuan. Girls even spend more on love than men.

From grade one to grade four, the mobile phone holding rate is on the rise: 40% in grade one, 44.44% in grade two, 57. 1% in grade three and 66.7% in grade four, and the mobile phone holding rate of boys and girls is basically the same. According to the statistics of mobile phone charges, the average monthly mobile phone charges of college students are basically controlled in the range of 10-50 yuan, accounting for 64.5% of the surveyed population. The monthly consumption of mobile phones exceeds 2 1.5% in 50 yuan, and 5.5% exceeds 100 yuan. Mobile phone consumption is the second largest consumption item of college students besides diet, accounting for 12.5% of the total consumption expenditure, and some students' consumption accounts for 30%-40% of the total monthly consumption.

Complete sets of brand cosmetics have become the favorite of some girls with financial strength, and doing hair has become another important aspect of girls' beautiful consumption. Dyeing hair, perming hair, straightening hair, nourishing hair ... Many girls are willing to pay a big price as long as they can be beautiful once. The survey results show that the number of freshmen doing hair is still small, accounting for 47.37% of the total number, and with the growth of grade, the number of people doing hair gradually increases, among which the number of people dyeing hair is mostly.

Objective: At present, while some college students enjoy a high-consumption life at will, there is another group. I am a college student on campus, and I am a part-time job outside campus. They can only maintain a minimum standard of living.

First, the consumption level of college students is obviously high;

Second, college students have a weak sense of financial management, and there is no corresponding concept and level of financial management.

With the in-depth development of economy and society, our college students, as a special social consumption group, have a more prominent and direct impact on the formation and development of our world outlook, and then have an important impact on our moral behavior throughout our lives. Therefore, paying attention to the consumption situation of college students, grasping the psychological characteristics and behavior orientation of college students' life consumption, and cultivating and improving our "financial quotient" have become the topics of concern for our contemporary college students.

First, the new consumption concept of contemporary college students

1. Rational consumption is the mainstream.

Price, quality and fashion are the main factors to attract college students' consumption. Judging from the survey results, practical and rational consumption is still the main consumption concept of college students at present. It is understood that college students first consider the factors of price and quality when purchasing goods. This is because college students in China are different from those abroad. Their financial resources mainly come from the support of their parents, and they don't earn much from part-time jobs. This makes our disposable money fixed every month, about 300-800 yuan, and generally less than 2,000 yuan for a better family, which is mainly used to pay for food and daily necessities. Due to the limited spending power, college students are often very cautious when spending money, striving for "value for money", and we will try our best to search for products with good quality and low price. Whether on campus or off campus, there are more and more social activities of college students today. Coupled with the influence of urban life atmosphere, early love and many other factors, we will not consider those cheap but not beautiful products. Instead, they pay more attention to their own image and pursue taste and grade. Although we don't necessarily buy famous brands, quality is still the premise of our concern.

Pursuing fashion and famous brands is an old topic.

Even if the age limit for college entrance examination is abolished, young people around the age of 20 are still the absolute majority on university campuses. We stand at the forefront of the times, seeking novelty and novelty, and keeping a keen grasp of fashion so as not to fall behind the trend. This is our common feature. The most prominent consumption is the use of mobile phones. Nowadays, the consumption of college students has generally increased the consumption of mobile phones. In this survey, it is found that the mobile phone ownership rate of students has reached no less than 60% in every class. In addition, computers and related consumption are also our pursuit, as small as a network card with tens of dollars. Computers are the pets of contemporary college students. In the words of computer majors, we simply regard computers as our "lovers' confidants". Thirdly, there are many "new" people in the university campus in terms of hairstyles, clothes, ornaments and daily necessities. The survey data also confirms this point. Judging from its proportion, "popularity" has become the third major factor for college students to consider whether to buy, second only to price and quality. As for brand-name products, when asked if they would buy brand-name products if the economy allowed, 80% of the students said they would.

The above fully reflects the demand of college students to pursue high quality, high brand and high grade life.

Second, the problems existing in the current consumption situation of contemporary college students

1. The concept of saving is weak, and financial quotient needs to be cultivated and strengthened.

Robert Toru Kiyosaki, the founder of the word "financial quotient", once said: "Financial quotient has nothing to do with how much money you earn. It is the ability to measure how much money you can keep and how long you can make it work for you. " In the survey, when asked about the concept of "financial quotient", many students expressed strangeness. When asked about the financial situation after the end of the semester, most students admitted that their consumption had exceeded the planned scope, and even some students needed to borrow money from others. There are also a few students who have thought about how to spend the rest of the money, and only a few students have the consciousness of saving. It can be seen that the current financial quotient of college students needs to be cultivated and strengthened.

2. The widening consumption gap leads to polarization.

In the average monthly consumption survey, 15.2% of students persist in their studies on the "a little painful" life line below 400 yuan; 28.3% of the students "barely get by" between 400 and 550 yuan, 34.4% between 550 and 900 yuan, and 14.6% between 900- 1400 yuan. There are 7.5% students who spend more than 1400 yuan a month, which can be said to be "following their feelings"-carefree. It can be seen that the consumption gap among college students is widening and polarization is obvious, which is inevitable under the current social background of drastic transformation in China. However, we believe that with the development of society and the further improvement of people's living standards, these problems will be improved to some extent.

3. There are unreasonable factors in the consumption structure, especially girls.

From the 1970s to the present, there is at least one similarity in college students' living consumption, that is, the main components of consumption are living expenses and the purchase of study materials and daily necessities. In the cost of living, meals are the most important. According to the local price level, it is estimated that students spend about 10 yuan at school every day for basic dietary needs, and the monthly net food expenses of students need about 300 yuan.

We are surprised to find that 83.7% of the female students surveyed in 197 have meals below 300 yuan, some control their appetite in order to keep slim, and some choose cheap goods regardless of nutritional needs in order to save money; 192 Only 66.4% of boys meet the standard. When asked whether they have studied their nutritional structure, such as the degree of approval of the sentence "a glass of milk raises a nation", 90% of the students agreed, but they didn't care much. When we pointed out the unreasonable diet structure in the survey, many of them, especially female students, admitted that they didn't know enough about healthy diet.

4. Excessive pursuit of fashion and famous brands, with the psychology of comparison.

In the survey, some students pointed out that in order to have a mobile phone or change into the most popular mobile phone, some students are willing to scrimp and even sacrifice their other necessary expenses; Some male students borrow money or even steal money for a pair of brand-name sports shoes to satisfy their desires, while some female students borrow money or even steal money for a set of brand-name cosmetics or a brand-name dress, which can reflect that some students don't know how to live within their means, and vanity drives them to form an endless comparison psychology.

5. Excessive consumption in love

In our investigation, we found that some college students who are in love spend about 100-300 yuan per month, the least about 50 yuan, and the highest 1000 yuan (such as giving each other expensive gifts). Most of them admit that the pursuit of emotion requires material input, and it is often difficult to rationally grasp the principle of moderate consumption. This is a worrying aspect. Interestingly, the traditional situation that the cost of falling in love is generally borne by the man has been completely broken, and there have been three situations, that is, the man bears all, both men and women bear all, and the cost of girls' love even exceeds that of the man. Traditional and modern lifestyles have been fully interpreted in contemporary college students.