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Characteristics of college students' consumption view
Regarding the consumption view of college students, the author has made some understanding and investigation on people around him. Including himself, the financial management of college boys is not so strong, mainly manifested in the phenomenon of high consumption and excessive consumption. When you ask a friend, you will feel distressed when you spend money. A friend said that he usually goes shopping in the mall without cash and asked why. He said that when he traded with real money, he saw those red heads for others to see. Only when there is a fiscal deficit will we know that those RMB have been lost invisibly. As for credit card consumption, related reports are also very irrational behavior, which is not conducive to rational financial management! ?

The unreasonable consumption of contemporary college students is mainly manifested in the following aspects:

Vanity, strong sense of comparison?

The unreasonable consumption of college students mainly comes from the crisis of comparison psychology, vanity, hedonism and social risk! Living on campus, we don't realize the difficulty of social survival! Even if I knew, I couldn't understand. I don't want to be a politician. With the support of my parents, I have lost my sense of social crisis. I have a lucky heart. Hiding in the campus can temporarily escape all social crises, but once you get out of the campus, it is difficult to adapt to social life quickly. Compared with boys, most girls' consumption views are more rational, focusing on planned consumption and predicted consumption. So, girls' consumption view is more reasonable than boys'?

Excessive consumption is serious?

Excessive consumption is a common phenomenon in today's university campus. Many college students spend a lot of money at the beginning of the month. What brand stores are their must-see places? There is a saying that they would rather go hungry than lose face. This is the consumption psychology of college students. In order to make up for the grievances suffered by the stomach at the end of last month, eating and drinking is also their choice. The cost of college students eating out is increasing day by day. McDonald's, KFC and some expensive specialty snacks have become college students, especially campus lovers. As a result, some college students have a tight life at the end of the month, and even some college students with financial ability at home borrow money from banks for consumption. Banks attach great importance to the student credit card market, because college students will be the pillar force of the future society. For banks, college students are a huge potential customer base. Next month, this month's loopholes will be filled, and so on, forming a vicious circle. In the end, I can only turn to my family for help. A lesson is definitely indispensable. Experts remind that college students should live within their means when using credit cards. Excessive consumption will not only increase the economic burden of yourself and your parents, but also have a bad influence on your future consumption habits and economic situation. Many college students borrowed money from the bank for consumption during their college years, only to find that their monthly salary was basically used to repay the loan after graduation, and they became real slaves. ?

Is the proportion of leisure and entertainment consumption too large?

Leisure and entertainment consumption, in terms of leisure and entertainment consumption, college students have a stronger demand than other age groups, mainly in bars, KTV and other entertainment places and tourism consumption, and college students have enough time to live. The author deeply understands that as a college student, except for a few classes every day, the rest of the time is free. It can be said that two-thirds of the time in universities can be dominated by themselves and study consciously. But there are very few students who really study consciously. How do most students spend their spare time? So bars, karaoke bars, movies and other entertainment places are favored by college students, but for college students who have no or little financial resources, this will undoubtedly become another economic burden in their lives. Their source of income mainly comes from the monthly living expenses given by their parents. The expenditure of girls in this respect is slightly lower than that of boys, which is closely related to the fact that girls spend their leisure time mainly on shopping. The cost of clubbing for boys is much higher than that for girls. This also shows to some extent that the current spiritual and cultural life of college students is rather monotonous. ?

Love consumption is a story that university campus has to tell?

College love is a common phenomenon on campus, but the love of the Holy Spirit also needs to be established on a certain economic basis. For college students who have no financial ability, the expenditure on love is not a huge figure. Every important festival, such as girlfriend's birthday, Valentine's Day, Christmas, etc. The consumption of boys is bound to increase, but for students who have friends of the opposite sex but are in different schools, a considerable part of their monthly living expenses will contribute to the telecommunications industry. Their expenses basically come from a small amount of living expenses, so it is natural to live in poverty. ?

Saving needs school education?

The investigation and analysis of college students' consumption view points out that college students' consumption behavior and psychology directly affect their outlook on life and values, and have an important impact on their study, life and even future work. Therefore, it is particularly important to guide students to form a consumption concept that is proud of hard work and ashamed of luxury and leisure, and to create a conservation-oriented campus culture. To do this, it is necessary for schools to educate students to establish a diligent, thrifty and scientific consumption consciousness; It can not only enrich campus life, but also make students feel that college life is idle, so they spend money to pass the time. Colleges and universities should carry out more activities to publicize and cultivate college students' healthy consumption atmosphere and strive to build the economy.