貸款消費的弊端英語作文

『壹』 貸款消費的優缺點

有利有弊。

『貳』 大學生不理性消費的現狀弊端英語作文

he rational consumption is the basic way of establishing economy society,constructing the harmonious society and promoting the human societysustainable development.
理性消費是建立節約型社會、構建和諧社會，促進人類社會可持續發展的根本途徑
Rational consumption is now a topic of social concern,how to make rational consumption, but also peoplethinking of problem.
We analyze how to rational consumption, from the following aspects: first, the rational use of credit card.Second, be sure to calm the supermarket sale. Third,online
shopping Carnival to reason. Fourth, the loanpurchase a car also need to be considered. Fifth, buy a lottery ticket.
It depends on their actual consumption capacity, not
blindly, if unable to control their desire to buy, you canfind a good friend to watch you.
理性消費已經是現在社會關注的話題，如何做到理性消費，也是人們思考的問題

『叄』 關於校園網貸利弊的英文作文（不用太難，不用太長，簡單一點的，要有中文翻譯）

寫作思路：通過校園網貸對於學生的作用來描寫，結合學生這一特殊群體，沒有收入，攀比心強，自製力差，寫出校園網貸的危害。

正文：

College students are young, curious and hope to keep up with the trend, so fashionable electronic procts are favored by them. But electronic procts are often expensive, often thousands, some even tens of thousands.

大學生正值年少、好奇心強、希望能緊跟潮流，時尚的電子產品就受到了他們的青睞。但是電子產品往往價格高昂，動輒幾千，有的甚至上萬。

In the reporter's survey, most students' monthly living expenses are between hundreds and 1000 yuan, and the source of these living expenses is mainly provided by their parents, and few of them can obtain stable income through part-time jobs.

在記者的調查中，大部分學生的月生活費在幾百到一千元之間，而這些生活費的來源主要是父母提供，通過兼職獲得穩定收入的並不多。

The contradiction between consumption power and consumption desire makes staging an important way for them to purchase electronic procts. Among the surveyed students, the items purchased by installment payment are electronic procts, entertainment consumption, daily necessities, etc., of which electronic procts account for a large proportion.

消費能力和消費慾望的矛盾使得分期成為他們購買電子產品的一個重要途徑。在受訪學生中，使用分期付款購買的物品依次為電子產品、 娛樂消費、日用百貨等，其中電子產品佔了相當大的比例。

On the one hand, when students are short of money, the campus network loan can really solve the urgent need.

一方面，當學生囊中羞澀時，校園網貸確實能解燃眉之急。

Xiao Ren, a senior in the Civil Engineering College of Hebei Institute of architecture and engineering, said: "we don't have a stable income now. Facing the high price of electronic procts, we are often" powerless ". Campus network loan can make us enjoy those procts that we have been longing for for earlier.

河北建築工程學院土木工程學院大四學生小任說：我們現在還沒有穩定的收入，面對價格高昂的電子產品往往『有心無力』，校園網貸可以使我們更早享受那些心儀已久的產品。

I think as long as college students can reasonably arrange the quota, they can make full use of it within the scope of tolerance.

我認為只要大學生能夠合理安排額度，在承受范圍內是完全可以充分利用的。

In addition, like the traditional bank card, the credit business provided by the e-commerce platform also has a fixed repayment date every month. For example, ant Huabei business sets the 10th day of each month as the repayment date. If the current payable amount is not paid before the repayment date, the corresponding overe interest will be generated.

另外，與傳統銀行卡一樣，電商平台提供的信貸業務每個月也有固定的還款日。如螞蟻花唄業務設定每月的10日為還款日，若在還款日前，未還清當前應還金額，會產生相應的逾期利息。

If the repayment period is not exceeded within one month, the credit record will not be affected, but the interest will be paid more. If the repayment period is more than one month, the credit record will be "tainted".

如果沒有超出還款期限1個月之內能夠把款還上的話則不會影響信用記錄，只是會多還點利息，如果超出了1個月，信用記錄上就會留下「污點」。

『肆』 英語作文有關貸款的，謝謝！

今天FIONA帶我們去了她朋友家的農場，農場非常大，感覺上有點像寬闊的蒙古草原。
Today FIONA took us to her friend's farm, farm is so big, a bit like the broad grasslands of Mongolia feel.
農場主教我們怎樣擠牛奶，我知道了擠牛奶的時候是，手指不能上下移動，手向上的時候，手指應捏住奶頭，這樣奶才會出來。我照著農場主的示範做了，白花花的牛奶從奶頭中噴射出來，濺得我滿臉。
Farm bishop we how to milk a cow, I know the milking time, fingers can not move up and down, hands up, fingers pinch the nipple, so that milk will come out. I follow the farmers do the demonstration, shining white milk is ejected from the nipple, I face a splash.
隨後同行的REX也開始學著擠，誰知好玩的事情發生了，他剛一伸手，奶牛竟開始撒尿了，搞得大家笑作一團，可以用人仰馬翻來形容我們當時的情景。
Then the counterparts of REX also began to learn to squeeze, who knows the funny thing happened, he just put out a hand, the cow began to urinate, make you laugh, can be used to describe the scene at that time we utterly routed.
在農場里我用奶瓶喂小奶牛BB，它把奶瓶扯來扯去，特別調皮。
On the farm I bottle fed small cow BB, it put the bottle to pull, very naughty.
農場里所有的家禽都有，牛、羊、雞、鴨、豬。。。。。。，我還抱了小兔子，在我懷里軟軟的一團，毛發很光滑。
All the farm poultry, cattle, sheep, chicken, ck, pig...... Also, I hold the little rabbit, in my arms a blob, hair very smooth.
今天參觀農場，讓我領略了澳大利亞的原生態美景
Today to visit the farm, I appreciate the natural beauty of Australia

『伍』 消費信貸的弊端

通過長期的社會實踐已經認識到，既然有大量商品賣不出去，而許多中下收入的社會成員又非常需要這些商品，那麼，就鼓勵金融機構把富人的錢先借出去，用消費信貸的辦法借給中下收入的人先花起來，然後再讓他們慢慢還，讓經濟鏈條先運轉起來，讓大家繼續有錢可賺。這樣，富人的閑暇貨幣就成了潤滑劑，缺錢的中下層社會成員也可以貸款買汽車買房子買生活必需品了，儼然成了中產階級；中上等階層成員收入可以繼續增加，其名下的資產擁有量又開始迅速膨脹，雖然這些資產的絕大多數是銀行存摺、股票和債權單據等毫無使用價值的帳單，但在心理上卻讓這些人獲得了成就感。
也就是說，消費信貸的基本原則是把富人佔有的實物財富儲藏在窮人手裡，讓大多數事實上的窮人成為名義上的中產階級。因此大多數美國人一大學畢業就可以貸款買房買汽車，擁有不止一張可透支消費的信用卡，美國的中產階級就這樣被批量的生產出來了。
由於消費信貸的普遍推行，讓整個社會增加出了龐大的有效需求，閑置的勞動力就相對容易的找到了就業機會，閑置的生產和服務資源就相對多的得到有效利用，社會財富就相對多的被新就業的勞動力和重新開工的閑置資源共同生產出來。雖然大多數美國家庭在大多數時間內的凈資產是負數，他們幾乎終生都擔負著巨大的還債壓力，但是由於這些家庭提早就擁有了個人住房、汽車、旅遊休假等實際的生活享受，因此，這些人就會對政府政策有認同感。
實際上，美國政府也是從教訓中走過來的。政府出面借錢搞基礎建設，一是乘數效應的能量不夠；二是基礎建設能容納的投資量畢竟有限；三是老百姓得不到直接實惠；四是基建行業外的其他行業受惠不明顯；五是政府成為債務人，負擔沉重。因此，積極的財政政策這種費力不討好的苦差事逐漸被消費信貸所取代。而消費信貸的優點卻很多。一是拉動需求的作用立桿見影，如消費者上午從銀行借出錢，下午就能看房購房；二是老百姓得實惠，如老百姓再也不用攢錢供孩子上大學了；三是各行各業都能受益，經濟全面增長；四是政府卸了擔子，政府赤字能迅速縮減。
更重要的是，消費信貸是廣大消費者自己借錢花錢，產品和服務的賣主也是價格透明服務透明的各行各業。而各行各業的業主和從業者絕大多數也不是富人，可能也是消費信貸的支持對象，因此，這些業主和從業者不會把掙到手的錢儲蓄起來或者滯留起來，而是繼續購買實際商品和服務，或者是歸還貸款。這就進一步地不間斷地維持著，甚至增大著市場需求。雖然消費信貸不能從根本上解決貧富分化導致需求不足這個市場經濟的基本矛盾，但是市場供需平衡的良性循環就此可以在一段相當長的時間內得到維系。
若論劫富濟貧的手段，美國政府堪稱天下第一高手。美國政府從長期的市場經濟實踐中得出經驗，富人掙錢主要是為了名份，為了成就感，其實他們的錢永遠消費不完。與其說養虎遺患，還不如放虎歸山，讓社會沉澱資金發揮作用。所以美國政府玩的這個漂亮的空手道，帶動美國經濟幾十年來一直走在了世界經濟的前面。這是美國經濟成功的核心秘密之一。
但是，也應該清醒的看到，美國方式的消費信貸不是萬能的，在紙幣制度環境下，美國式消費信貸存在以下主要弊端：
A缺少一個低成本高效率的信用體系。
B消費信貸主體沒有被納入到公益事業的范疇內。
C勞資分配懸殊的情況無法得到根本改觀。

『陸』 合理消費的利與弊的英語作文

Around the compus, we can commonly see some college students wear branded clothes, using the most advanced appliances such as Ipod, Iphone and Ipad. In spite of where the money comes from, I absolutely oppose the view that college students consume luxuries. As far as I am concerned, we should advocate rational consumption among college students. As follows, I will share some suggestions.
Above all, college students should have access to earning pocket money. This is a priority. Most college students, who have already asked their parents to pay their fee, should take responsibility to afford their daily consumption, let alone luxurious consumption.

『柒』 近年來,學生攀比消費的不良現象英語作文80詞 - 百度

例文

Nowadays, many students in middle school ask their parents to buy them famous brand clothes, modern cellphones and fashionable MP4 players, etc. They ask for these things in order to follow the fashion.
Most teachers and parents think it』s not right for middle school students to spend so much money on these luxurious things. Firstly, it does not fit in with the idea of building an economical society. Secondly, as students, they should concentrate on their studies and not pay too much attention to fashion. Finally, it』s not easy for their parents to support them ring their school ecation. So, they shouldn』t spend too much money on these expensive things.

『捌』 你好，我想知道貸款消費的壞處是什麼

貸款消費最大的弊病就是當你每月還不了全額的費用時，你的利息就會累加。到時你就成了當下卡奴中的一員了

『玖』 求一篇英語作文。題目是 （信用卡的利與弊） 要翻譯

如今，信用卡消費已成為時下人們的生活習慣。的確，信用卡給消費者帶來諸多的方便。但是也有人表示，信用卡並非傳說中的那樣安全，其弊端也有種種。使用信用卡的利與弊有哪些呢?
Now, the credit card consumption has become a popular lifestyle. Indeed, the credit card to bring a lot of convenience for consumers. But others said, credit card assecurity is not a legend, its malpractice also has all sorts of. The use of credit cards, what are the advantages and disadvantages?
信用卡的利：安全、便利、尊貴、實惠、不欠人情、干凈衛生、能緩解經濟壓力、累積個人信用記錄、培養理財意識、便於家庭理財教育。
Credit card interest: safety, convenience, noble, affordable, not owe, clean sanitation, can relieve the economic pressure, the accumulation of personal credit records, financial awareness, training for the family financial management ecation.
信用卡的弊：盲目消費、過度消費、利息高、需交年費、盜刷、影響個人信用記錄。
Credit card fraud: blind consumption, excessive consumption, high interest,required to pay an annual fee, stolen brush, affect personal credit records.
信用卡卡友帶來很多好處，但是也有一定的不利的方便，所以提醒各位卡友，在使用信用卡時，要規避信用卡的弊端，合理掌握信用卡的使用。
Credit card you bring many benefits, but also have certain unfavorable convenient,so remind card, in the use of credit cards, to avoid the abuse of credit card, a reasonable grasp the use of credit cards.

『拾』 求一篇大學生使用信用卡利弊的英語作文

以下主要從信用卡使用後的影響上面來談論利與弊，要點包括了過度消費危害和信用卡折扣等，具體如下：

Disadvantages of credit card use: it is easy for people to overspend. Once the money becomes digital, when we spend it, it is often more generous than spending money. Poor control will cause you to make ends meet; if you don't make repayments on time, high interest will be generated and your credit history will also be affected. Will increase the financial burden and the inconvenience of future personal loans.

信用卡使用弊端：容易讓人過度消費，一旦錢變成了數字，我們花的時候，往往比花鈔票更大方。控制不好，會造成入不敷出；如果沒有按時還款，會產生高額的利息，還會影響你的信用記錄。會增加經濟負擔和以後個人貸款的不便。

If a credit card is not swiped enough times every year, an annual fee will be incurred, and credit card withdrawals will be charged a handling fee.

信用卡如果每年刷不夠次數會產生年費，信用卡提現是要收手續費的。

Credit card is good: when you use a credit card, you can enjoy discounts from partner merchants, such as Starbucks and other food discounts launched by China Merchants Bank; credit cards are safer, and general credit card withdrawals have a certain limit, such as Bank of Communications is 50% of your opening limit . There is no danger of having a password. Even if the password is lost, the loss is within a certain range.

信用卡好的地方：用信用卡消費，可以享受到合作商戶給的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，一般信用卡取現是有一定額度的，比如交行是你開通額度的50%。有密碼一般不會有危險，即便丟失被破解密碼，損失也在一定的范圍內。

Credit cards can temporarily alleviate economic difficulties. For some people who have short-term financial difficulties, it is tantamount to sending charcoal in the snow. After all, there is no need to put down money and borrow money from others; a good credit history has certain convenience for applying for loans in the future. Get a higher loan amount.

信用卡可以暫時緩解經濟困難，對於一些短時經濟有困難的人，無異於雪中送炭，畢竟不用放下面子，向別人借錢；良好的信用記錄，對以後申請貸款有一定的便利，有可能會獲得更高額度的貸款。