College students are a special group of society, which refers to those who are receiving basic higher education but have not graduated into society. Without rich social experience and experience, the mind is not fully mature in all aspects, and it is easily influenced by all aspects of the environment. Bai Hua is a kind of consumer credit product, and it is a credit consumption mode of first consumption and then payment. Flowers are similar to credit cards. If you don't pay back the money within the time limit, you will charge high interest. For today's debate, we don't deny the advantages of college students spending flowers, but for our contemporary college students, I still think the disadvantages outweigh the advantages.
1. Advantages: Bai Hua has a certain interest-free period and certain rights and interests. You don't need to pay for the goods immediately after using the flower buds. During the interest-free period, users can use this money for investment and wealth management, which increases the extra income of college students in disguise and is conducive to cultivating good investment habits of college students.
2. Disadvantages: Because the flower buds are consumed first and then paid, it is easy for college students who do not have a good consumption concept to over-consume, and personal debts will continue to increase in the long run.
There are many college students who have low barriers because of their convenience, but at the same time, the ant flower garden also poses a challenge to student management. After using ant flower buds, college students become more advanced and irrational, and some students spend too much, which leads to overdue, thus adversely affecting learning quality and physical and mental health.
What is the influence of consumer credit products represented by ant flower buds on college students' consumption view? Both the real-name registration system and the regular website have flowers. You can use it or not, that is, you don't have to pay for it yourself, and you can pay it back in a few months. It's good for you if you pay back the money on time. Since you have used it, remember not to overdue it, which will affect your credit, and your credit will directly affect your future work, house purchase loan and so on.
What should I do if I get caught up in it? College students' consumption concept is not strong enough, and it is easy to produce some impulsive behaviors. Therefore, it is necessary to guide students' high-quality development and cultivate good consciousness, including:
(1) Establish a healthy consumption concept. When buying and consuming, we should first rationally evaluate consumption ability and demand desire to avoid impulsive consumption;
(2) protect your credit. If you exceed your repayment range and can't repay in time, you will pay a great price for credit default;
(3) Focus on learning, plan your own needs reasonably, and prioritize. In addition to the appropriate living needs, the main consumption needs should be placed on the purchase of school supplies and learning resources.