中消协呼吁青年理性消费 远离网贷陷阱

Core Viewpoint - The China Consumers Association has issued a special consumption reminder addressing the increasing trend of impulsive consumption and large-scale borrowing among young consumers, urging them to establish a healthy and rational consumption mindset to mitigate financial risks [1] Group 1: Key Points of Rational Consumption - The first core point emphasizes the need for young consumers to prudently assess their repayment capabilities and consume within their means, highlighting the importance of evaluating future income expectations and potential risks before borrowing [2] - The second point advocates for the principle of moderation, encouraging young consumers to prioritize essential living expenses and educational investments while resisting unnecessary overspending and the cycle of borrowing to repay debts [2] - The third point stresses the importance of recognizing the nature of borrowing as debt, advising young consumers to choose services from licensed financial institutions and to be cautious of misleading promotions such as "zero interest" offers [3] Group 2: Importance of Personal Credit and Social Responsibility - The fourth point highlights the significance of personal credit records as vital social assets, warning that defaults can lead to long-term restrictions in various aspects of life, thus urging young consumers to honor their commitments and value their credit [3] - The association calls for a collective effort from society to focus on consumer education for the youth, promoting guidance from families and schools to foster a culture that values rational consumption and opposes wastefulness [3] - The reminder coincides with the peak summer consumption period, suggesting that young consumers take this opportunity to review their financial situations and establish sound consumption plans to avoid financial risks and build a solid foundation for future development [3]