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中国90后消费观调查不是乱花钱是更会花钱90后
2020-01-07 23:33   来源:  www.alemdojogo.com   评论:0 点击:

中国90后消费观调查不是乱花钱是更会花钱90后2019年8月24日,作为商、旅、文、体创新融合的上海新天地活力

  2019年8月24日,作为商、旅、文、体创新融合的上海新天地活力街区,吸引众多年轻人前来游玩、购物。  刘卫兴摄(人民视觉)

August 24,2019, as a business, travel, cultural and physical innovation integration of Shanghai Xintiandi vitality block, attracted a large number of young people to visit, shopping. Liu Weixing (People's Vision)

  二〇一九年十二月二十一日,青年滑雪爱好者在甘肃省张掖市祁连山国际滑雪场尽情滑雪。成林摄(人民视觉)

On December 21,2019, young skiers were enjoying themselves at the Qilian Mountain International Ski Resort in Zhangye City, Gansu Province. Cheng Lin (People's Vision)

  2019年度支付宝年度账单即将出炉。这一年你用支付宝花了多少钱?估计会有不少“90后”被自己的账单吓到:我哪来的这么多钱?

Alipay's annual bill for 2019 is coming soon. How much did you spend on Alipay this year? There are a lot of \"post-90s\" who are frightened by their own bills: where did I come from so much money?

  说起“90后”的消费,“精致穷”“月光族”“啃老买奢侈品”“超前消费”“1000可以花,10块钱必须省”……种种消费观念和消费行为,被贴上了“畸形”的标签。

Speaking of "post-90s" consumption," exquisite poor "," moonlight clan "gnawing old to buy luxury goods," ahead of consumption "1000 can be spent,10 must save ”…… Various consumption concepts and behaviors have been labeled as "malformed ".

  “怎么不知道存钱呀!”“别乱用那些分期!”“90后”的父母常常充满忧虑地规劝孩子改变自己的消费方式。

“Don't know how to save money! Don't use those stages! The "post-90s" parents are often wary of persuading their children to change their spending style.

  但是很多报告用实实在在的数据,为“90后”的消费方式作出生动解读。他们的某些消费行为在外人看来并不理智,却有自己独特的追求。当他们在消费上精明起来时,又可能超乎你的想象,也超越了他们的父辈。

But many reports use tangible data to provide a vivid interpretation of the \"post-90s\" consumption patterns. Some of their consumer behavior seems irrational to outsiders, but has its own unique pursuit. When they're smart enough to spend, they may be more than you can imagine, and more than their parents.

  21世纪第三个十年已经到来,中国“90后”们正在用属于他们的消费消费观念和方式,标记这一代人的独特性格。

In the third decade of the 21st century, china's \"post-90s\" people are marking the unique character of this generation with their consumption ideas and ways.

  “能手机打车干嘛要挤公交地铁?时间最重要。”“生鲜APP能把蔬菜水果送到家,顶多再多花点运费,干嘛自己跑出去买菜?”“工作这么累,周末还加班,再不吃好喝好也太惨了。”“29岁,2开头的最后一个生日,得给自己买个礼物。”懒人式消费、奖励式消费、治愈式消费,许多“90后”秉持精致生活的理念,收入不高,花销却不小。

\"cell phone taxi why squeeze bus subway? Time counts. \"\"Fresh app can send vegetables and fruits home, at most more than a little more freight, why run out to buy their own food? \"\"Work so hard, work too late on weekends, and it's too bad not to eat well. \"29, the last birthday at the beginning of two, have to buy yourself a present. \"Lazy consumption, incentive consumption, healing consumption, many \"90\" adhere to the concept of refined life, income is not high, but not small expenses.

  小高是一个“猫奴”,她养的猫叫大庆。买猫粮、猫砂、罐头、玩具,带它洗澡,每月都有五六百元的固定支出。除了经济负担之外,还要花时间伺候它吃喝拉撒。

Xiao Gao is a \"cat slave \", her cat is called Daqing. Buy cat food, cat litter, cans, toys, take it to the bath, every month there are five or six hundred yuan fixed expenses. In addition to the financial burden, it takes time to feed and drink.

  大庆有时候尿床,把家里仅有的两床被子都留下“记号”。但是大庆也温柔、黏人。有时会钻到小高的被子里入睡,周末小高也会邀请朋友来家“吸猫”。白净柔顺的毛皮、澄澈的眼睛,大庆给小高带来无尽的温馨。

Daqing sometimes wet the bed, leaving a \"mark\" on the only two quilts at home. But daqing is also gentle and clingy. Sometimes he will go to sleep in the quilt, and on weekends he will invite his friends to come to his house to \"suck the cat \". White soft fur, clear eyes, Daqing to bring endless warmth to Xiao Gao.

  “有时真的会被它气死,但能从它这里寻求安慰,这是我们这些‘猫奴’自我表达的途径。很长一段时间里都没有跟父母说,因为他们很难理解。”小高说。

“sometimes gets really mad at him, but it's a way for us, cat slaves, to express ourselves. I haven't told my parents for a long time because it's hard for them to understand. said Ko.

  “90后”另外一个不被人理解的消费行为是对奶茶的追捧。2019年中国现制茶饮市场约为500亿元,消费者中一半是“90后”。

Another unappreciated consumer behavior of the “post-90s is the pursuit of milk tea. China's current tea market in 2019 is about 50 billion yuan, and half of consumers are "post-90s ".

  “如果你问我的钱都去哪了,看看肚子上的这几圈肥肉就知道了。”对一名“90后”来说,这肥肉中会有奶茶的极大“贡献”。

“If you ask me where all my money is, look at the lap of fat on my stomach. To a "post-90s ", this fat meat will have the great" contribution "of milk tea.

  “90后”和“00后”养活了各式各样的奶茶店:大商场、商业步行街,住宅区周围,高校食堂和校园外的小吃一条街,永远不会缺少各具特色的奶茶店,很多网红店还排着长队。

The “post-90s and post-00s feed a wide variety of milk tea shops: shopping malls, commercial pedestrian streets, residential areas around, university canteens and campus snacks a street, will never lack their own characteristics of milk tea shops, many of the network of popular shops are still in line.

  这种热爱让人困惑。“90后”何晓雅常常在加班时点一杯奶茶,“寒冬腊月里,买一杯奶茶捂在手心,很温暖,再吸一口珍珠,温润柔软,就像和久未见面的恋人热烈拥吻。虽然知道奶茶中含有让人上瘾的物质,但是不舍得戒掉这个癖好。”

This love is confusing. After 90, he Xiaoya often orders a cup of milk tea in overtime,\" in the winter months, buy a cup of milk tea in the palm of the hand, very warm, and take a mouthful of pearls, warm and soft, like a long-lost lover warmly kiss. Although milk tea is known to contain addictive substances, it is not willing to quit the habit.

  “90后”成长过程中拥有更多的消费选择,商品种类极大丰富,营销工具、“种草神器”深入人心,微信公众号、微博大V、小红书、各种形式的直播,无时无刻不在诱惑他们。

The “post-90s" growth process has more consumer choice, the variety of goods is extremely rich, marketing tools," grass god "deeply rooted in the hearts of the people, wechat public number, weibo big v, small red book, various forms of live broadcast, all the time to seduce them.

  时代赋予这代人一个更丰富多彩的物质世界,也给他们肩头施加越来越繁重的生活压力和工作负荷。压力催生了“90后”这些不被理解的“迷惑”消费行为和种种冲动消费,也让许多“90后”在消费中更加注重教育和自我提升。

The times have given this generation a more colorful physical world, and also put on their shoulders an increasingly heavy life pressure and work load. The pressure has led to the``post-90s'' consumption behaviors and impulse consumption that are not understood, and many``post-90s'' pay more attention to education and self-improvement in consumption.

  中国新经济研究院联合支付宝发布的《“90后”攒钱报告》显示,年轻人用花呗购买教育类产品和服务的金额同比上涨了87%。

According to the post-90s savings report released by china new economics institute co-pay, the amount of money young people spend on educational products and services rose 87% year-on-year.

  2019年被称作付费自习“元年”。付费自习室迅速赢得职场年轻人的青睐。工作之余,很多年轻人逃离逼仄的居住环境,来到付费自习室找一方安静的书桌,如饥似渴地寻求自我提升。为了更体面的生活和更光明的未来,进入职场的“90后”丝毫不敢懈怠。

2019 is called the first year of paid self-study. The paid study room quickly won the favor of young people in the workplace. After work, many young people, fleeing from cramped living conditions, go to pay-for-study rooms to find a quiet desk, hungry for self-improvement. For a more decent life and a brighter future, the \"post-90s\" who enter the workplace dare not slacken.

  一边是不断增长的消费需求,一边是羞涩的口袋。借助消费金融、信贷工具超前消费或分期付款,是很多“90后”的消费习惯。

On one side are growing consumer demand and on the other are shy pockets. With the help of consumer finance, credit instruments to advance consumption or installment payments, is a lot of \"post-90s\" consumption habits.

  据统计,平均每4个“90后”就有1个人在用花呗进行信用消费,近四成“90后”把花呗设为支付宝首选的支付方式,比“85前”高出个百分点,超七成“90后”未来还将继续超前消费。

According to statistics, an average of one in four \"post-90s\" people are using flowers for credit consumption, nearly 40% of the \"post-90s\" to set the flower as the preferred way to pay for Alipay, more than 85 percent, more than 70 percent of the \"post-90s\" will continue to consume ahead of schedule.

  最开始,也许只是想买一部手机,可是还要交房租,直接买压力有点大,就用了分期。一部价值四五千元的手机,分12个月还清,每月只需还款三四百元,很有可能还是免息的。

At first, perhaps just want to buy a mobile phone, but also pay rent, direct pressure to buy a bit big, used the installment. A mobile phone worth four or five thousand yuan, divided into 12 months to pay off, only three or four hundred yuan a month, it is likely to be interest-free.

  手机到手后,觉得电脑用了好多年,反应越来越慢,没开几个程序就很卡,也该换了,于是用分期付款的方式买了一台电脑,分期账单又增加了几百块钱。

After the mobile phone, feel that the computer has been used for many years, the response is getting slower and slower, not a few programs on the card, also should change, so the way to buy a computer by installments, the installment bill is added hundreds of dollars.

  在家听音乐,手机外放效果终归不能让人满意,要达到“高音甜、中音准、低音沉”的通透感,得买一个高品质的音箱。面对价格动辄上千的音箱,还是靠分期“大法”……

Listening to music at home, the effect of the mobile phone is not satisfactory, to achieve the "high-pitched sweet, mezzo-soprano, bass sinking" sense of penetration, you have to buy a high-quality speaker. In the face of the price of thousands of speakers, or by installment "Dafa ”……

  想买的东西越来越多,支付宝花呗上的额度逐渐累积。为了将额度分散,索性再开个京东白条,以降低内心焦虑和负罪感。就这样,微信里的微粒贷、去哪儿网的拿去花、百度的有钱花、银行信用卡甚至是某些不靠谱的网贷账户……种种信贷工具陆续开通,以满足不同场景下超前消费的需求,债务额度不断增长。

Want to buy more and more things, Alipay flowers on the amount gradually accumulated. In order to disperse the quota, simply open another JingDong white note to reduce the inner anxiety and guilt. In this way, the micro loan in WeChat, where to take the net to spend, Baidu's rich flowers, bank credit cards and even some unreliable net loan accounts. Various credit instruments have been opened to meet the demand for advanced consumption in different scenarios, and the amount of debt is growing.

  如果负债水平还没有严重超标,又有稳定的工作,通过延长信用期限,多付出一些利息倒还不算是很坏的结果。实在不行跟家里人低低头也不失为救急之策,等到资金周转开以后连本带息还上就是了。

If debt levels aren't seriously exceeded and there's a steady job, it's not a bad result to pay more interest by extending credit. Really cannot with the family low bow is also an emergency policy, until the week after the transfer of funds even with interest is still on it.

  最坏的是严重超过负债能力,容易被网贷平台“低息”宣传诱惑入坑,由此导致背上高利贷者大有人在,不仅搭上自己的前途,也拖累整个家庭,更有甚着为此付出年轻的生命。

Worst of all is the serious excess over the debt capacity, easy to be \"low-interest\" online loan platform propaganda temptation into the pit, resulting in a lot of usurers on the back, not only build their own future, but also drag the whole family, but also pay a young life for this.

  不过,虽有悲剧发生,整体而言,绝大多数“90后”使用信贷工具都保持着冷静和克制。87%的年轻人近一年内从未出现过逾期现象,仅%的人产生经常逾期和以贷还贷现象。使用3个及以上互联网小额借贷平台的用户占比为3%左右。绝大多数年轻人没有被负债拖垮,反而还存下了不少钱。

In spite of the tragedy, however, the vast majority of post-90s credit instruments remain calm and restrained. Eighty-seven per cent of young people have never been overdue in nearly a year, and only about a percent have experienced frequent overdue payments and loan repayments. The proportion of users using three or more Internet microfinance platforms is about 3%. Instead of being dragged down by debt, the vast majority of young people have saved a lot of money.

  据《“90后”攒钱报告》统计:92%的年轻人每个月都会有结余,“90后”每月在余额宝攒的钱,是其花呗账单的倍。受访的“90后”表示,买生活必需品外想买的东西,会充分考虑经济状况。

According to the \"post-90s\" savings report,92% of young people have monthly savings, and the \"post-90s\" monthly savings in yu' e yu' e treasure, than its bills. The \"post-90s\" polled said that buying what you want to buy outside of your necessities takes full account of the economy.

  北京市朝阳区三里屯太古里,霓虹闪烁,车水马龙,人流熙攘。记者采访了一位肩挎路易·威登“麻将包”的“90后”女生,她说:“差不多花掉了一个月工资吧,托朋友从法国带回来的。平时会研究奢侈品在哪里买便宜,比如买路易·威登的产品去法国,澳大利亚买古驰的包包,然后找靠谱的代购,能省不少钱。而且这些价格也处于波动状态,需要随时跟进。”

Beijing Chaoyang District Sanlitun Swire, neon flashing, traffic, crowded people. Reporter interviewed a shoulder-slung Louis Vuitton \"mahjong bag\" of the \"post-90s\" girl, she said:\" It took almost a month to pay it, trust friends back from France. Usually study where to buy luxury goods cheap, such as buy Louis Vuitton products to France, Australia to buy Gucci bags, and then find a reliable purchase, can save a lot of money. And these prices are volatile and need to be followed up at any time.

  很多收入不高的“90后”舍得买大牌、买奢侈品,但是也对价格敏感,他们会想尽办法找到最便宜的方式选购奢侈品。

Many underpaid \"90s \"are willing to buy big names and luxury goods, but are also price-sensitive and will try to find the cheapest way to buy luxury goods.

  “90后”的另一个精明之处在于,比父辈更早接触到分期付款和理财产品的他们,也更容易接受和更有利地使用。对于“90后”的父辈来说,贷款买房不是件新鲜事,但是要让他们把信贷工具用于日常生活消费可就难了,而“90后”精打细算薅起羊毛可毫不含糊。

Another shrewdness of the “post-90s is that they are also more receptive and more favourable to the use of installments and financial products earlier than their fathers. Loans are not new to the "post-90s" generation, but it is hard for them to use credit instruments for their daily consumption, and the "post-90s" budget for wool is unambiguous.

  大到买车分期付款:“90后”小史夫妇住在天津,结婚没多久,摇号中签,打算买辆车,家里给出钱,但是自己想分期付款,省下的现金用于投资。父母却说:“分期太麻烦,还有好多陷阱和强制消费,最后一点也不便宜。”

Big enough to buy car installments:\" post-90s \"xiaoshi and his wife live in tianjin, married not long after, ring number signed, plan to buy a car, home to give money, but they want to pay in installments, save cash for investment. \"The stages are too cumbersome, there are lots of pitfalls and forced consumption, and it's not cheap at all,\" the parents said.

  小两口则认真研究了其中的门道,对记者说,根据4S店的报价,如果使用分期,汽车价款会比全款便宜五六千块钱。不过必须按照4S店的要求上“全险”,而全款则可以自己选择险种,摒弃一些不实用的项目。另外还有GPS安装费、手续费等几项费用,七七八八加起来也是五六千元钱。分期付款总价没什么优势,但是手里的现金多了,还能用来做些投资,想要规避风险,买点收益稳定的基金债券就行。

The couple carefully studied the doorways, telling reporters that according to the 4S store's offer, if used in installments, the price of the car would be five or six thousand yuan cheaper than the full one. But must follow the 4S shop's request on \"the entire insurance \", but the entire fund may choose the insurance, discards some impractical item. There are also GPS installation fee, handling fee and so on several expenses,7788 add up to five or six thousand yuan. Total installments don't have much advantage, but there's a lot of cash in hand that can be used to make investments to avoid risk and buy stable-yielding fund bonds.

  “90后”的理财意识的确更明显。数据显示,32%的“90后”表示有明确的存款计划,且随着年龄和阅历的增长,每月新增存款比例也有明显提升,六成学生和近八成上班族每月能存下10%以上的收入。

The “post-90s" financial awareness is indeed more obvious." According to the data,32 per cent of post-90s workers have a clear savings plan and, as they age and experience, a significant increase in the proportion of new deposits per month has been achieved, with 60 per cent of students and nearly 80 per cent of office workers saving more than 10 per cent of their monthly income.

  “前几年余额宝刚出来那会儿收益比较高,就把钱放在这里,后来收益越来越低,就考虑其他途径了。”在北京一所高校读博士的杜斌说,现在投资收益是他和朋友们聚会时的热门话题,常常和朋友们交流心得。

“When Yu' e Bao came out a few years ago, the benefits were relatively high and the money was put here, and then the benefits were lower and lower, and other avenues were considered." Mr. du, who is a phd student at a university in beijing, says investment returns are now a hot topic when he meets friends and often communicates with them.

  研究生毕业后来到合肥的朱锐锋,每个月都会拿出一些钱投资,用自己在学校学习的政治经济常识,指导家里人炒美元,投资收益率超过10%。

Zhu Ruifeng, who went to Hefei after graduating from graduate school, would invest some money every month to use the political and economic common sense he studied in school to guide his family to fire dollars, with an investment yield of more than 10%.

  北京大学研究员靳戈表示,“90后”是互联网的原住民,也是成长于中国经济腾飞时期的一代,他们对消费和理财的接触都比父辈要超前。再加上这代年轻人有强烈的独立意识和自我保障意识,精打细算、早早理财都是在为未来过好生活做足准备。(本报记者康朴)

Jin Ge, a researcher at Peking University, said the \"post-90s\" were natives of the Internet and a generation that grew up in China's economic take-off period, and that they had more contact with consumption and financial management than their parents. In addition, this generation of young people have a strong sense of independence and self-security, careful calculation, early financial management are ready for a good life in the future. (Reporter, Hong Kong)


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