过度超前消费英文

pre-mature consumption, overconsuming, excessive consumption

对这个90后而言，“超前消费”是日常生活的重要组成，“基本上都是这个月花光下个月的收入。”有时遇到不理解的目光，她还会主动解释自己的“消费观”，“开心最重要，现在借贷平台那么多，先买完再慢慢还吧。”开心归开心，姚薇也为“超前消费”付出了代价——工作3年，不仅没有落下存款，反而欠下不少债。伴随80后、90后成为消费市场主力，“这月买下月还”的消费方式已然不是一件新鲜事。前不久，清华大学中国经济思想与实践研究院发布的《2018中国消费信贷市场研究》显示，截至2018年10月，我国消费金融规模达到8.45万亿元。这些期限通常不超过1年的信贷产品，主要用以购买日耗品、衣服、电子产品和支付房租，而使用人群主体无疑是热衷于“超前消费”的年轻群体。长期研究消费文化的兰州大学新闻与传播学院副教授刘晓程认为，在西方消费文化和国内产业结构、经济发展的多重因素影响下，青年表现出超前消费、重视个人快感和体验等消费文化新特征，“不在乎天长地久，只在乎现在拥有”。但对于过快增长的消费欲望、鱼目混珠的借贷产品、不合理的营销手段仍需给予更多关注，因为在“超前消费”这件事上，“需要做风控的不仅是借贷平台，还包括每一位消费者。”

Topic1: There are three kinds of people in the world: relaxed person，stressed person, the third kind sometimes feel relaxed and sometimes feel stressed. Though it is almost impossible for us to be relaxed person all the time， I am going to try to be a relaxed person.Usually, relaxed persons can bring happiness to the people around them, they are in a good mood to do any things and enjoy themselves. People tend to watch some TV programs with first-class hosts and hostesses, there is no doubt that the hosts and hostess are relaxed. If they feel stressful, it is impossible for them to make the audience laugh. Take … as an example, I enjoy his program very much……(举个例子,你看过的节目,你欣赏的主持人.几句话就可以). Relaxed people tend to be more confident and friendly. They are willing to help others and communicate with other people. They enjoy a good personal relationship and could get supports from people whenever they need. As a result, they could succeed easily than stressed people. Stressed people are usually not talkative, not easy-going. They worry about the past things and the nearby future even something that could never happen. Because of the stress, they could not eat well, sleep well and work efficiently. Since the health condition is becoming bad, they could become angry easily so they have very few friends and the friends might not share their happiness when staying with them.. As we all know, relaxed people could live a better and longer life, soIwish I could be relaxed most of the life time even while I have some problems.

通俗地说，就是今天用明天的钱。 比如今天你一分钱都没带，上街买东西的时候刷信用卡消费，钱是银行替你付的，一个月内，你有钱的时候再还就是了。 又比如贷款买房，钱是银行借给你的，你先用了，然后每个月还一笔钱

hyper-consumption超耗As reported, the US public generally believes that a growth mode of hyper-consumption type is not sustainable. 据说美国公众普遍认为，过度依靠超前消费的增长方式是不可持续的。

超前消费就是在超过暂时的收入能力的情况下将今后的收入提前到现在支出。

通过超前消费可以带动新的消费热点，扩大市场需求，使消费结构更加合理，反过来又促进生产的增长，使生产与消费保持良性的循环。其次，超前消费可以增加资金利用率，只有真正进入市场流通的资金,才能具有货币本身所应具有的价值。

超前消费是社会发展对消费者的现实需要，也是进入小康社会人们消费观的转变，负债过日子，对人们的是一种动力和压力，激励人们更努力的工作去解决自己的负债，以满足自己的生活要求。

扩展资料：

超前消费弊端

超前消费是一把双刃剑，一方面它会对借贷方的财产构成侵害，产生社会信用危机；另一方面，也会影响负债人的信誉，造成他们在经济和精神上的压力，更会产生经济纠纷。 不仅如此，过度的超前消费还会给消费贷款居民已超过心理承受能力的压力，如果出于攀比心理消费，随之而来的还贷压力必然加大经济压力，从而造成心理上的压力，生活质量、自身心态也会受到影响。

参考资料来源：百度百科-超前消费