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考研英语时文赏读(85):华夏人口的花费观念正在变化

  摘要:考研英语作为一家考研公共课,虽然大家都学了英语十几年,却仍不时发生总分过线挂在英语上的情况,所以英语复习不只是单词、做题。阅读作为考研英语的洋,只开考研真题或许没法满足你的看量,所以帮帮之后会不定时推出一首英文美文,这些文章还和考研英语阅读同源,多读得有好处。

  Why are Chinese youth ’buying now, and paying later’?

  华夏青年为什么转向了“先买后提交”的花费模式?

  People aged between 18 and 29 constitute 36 percent of the borrowers of consumer finance (not including housing loans), making them the most numerous of the borrowers, according to market research on China’s consumer credit markets in 2018, released by the Academic Center for China’s Economic Practice and Thinking at Tsinghua University.

  清华大学中国经济思想和执行研究院发布的《2018华夏消费信贷市场研究报告》展示,使用消费金融(不包括住房贷款)劳动的用户中,年龄在18到29年之间的群体所占比重高,达到36%。

  The report also notes that users aged between 30 and 39, 40 and 49 make up 30 percent and 33 percent respectively, with the last one percent being 50 years or older.

  告知指出,年龄在30到39年,40到49年之间的用户分别占30%和33%,如果年龄在50年以上的用户只占1%。

  The sharp contrast between the largest group and the smallest group reflects the changes in consumption habits between different generations of Chinese people. That is to say, the older generation prefers living within their means, while the younger favors living in the moment or consuming first and paying later.

  最大群体和最小群体的占比形成了明显对照,立即体现了不同代际的华夏消费者在消费习惯上存在差异。也就是说,老人人又倾向于“节约”地过日子,如果年轻人则喜欢在在当时,提前消费。

  Different life experiences lie behind this phenomenon. On the one hand, Chinese born in the 1960s usually hold a frugal attitude towards consumption as they’ve spent most of their life working hard, trying to save as much money as possible in case of rainy days.

  这种现象折射出个别代人不同的活阅历。20百年60年代出生的华人一般信奉节俭型消费观,因为他们操劳了非常半辈子,怀念尽量多存点钱以全不时之需。

  On the other hand, Chinese youth now have better living conditions than when they were children and do not have to worry about daily necessities, so they often don’t think twice before buying what they want.

  如果对于年轻一代来说,他们现在的活条件比小时候好老多,并非再担心日常生活必需品不足用,所以他们在买自己想要的东西之前通常不会再三考虑。

  The rapid development of the world’s most populated country since its reform and opening-up in 1978 is seeing a transition from a manufacturing-oriented society to a consumer one.

  从1978年改革开放以来,华夏这世界上人口最多的国家正经历着从“生产型”社会向“花型”社会的快速发展。

  Years of manufacturing efforts are producing more goods available for consumption. Under these conditions, it’s easy to understand why Chinese youth don’t need to worry that the things they want to buy won’t be available. On the contrary, what they do worry about is that they don’t have enough money to buy most of the things they want.

  通过近年来的努力,华夏的制造业目前可以生产更多可供消费的货物。在这种情况下,异常容易理解为什么中国青年不必担心他们感念要买的东西将无法获得。相反,他们担心的是协调没有足够的钱来买想要的多数东西。

  Another factor driving the "buy first, pay later" trend is undoubtedly the increasingly popular and advanced online credit services in a cashless Chinese society.

  推动“先买后提交”趋势的其他一个因素的是,在一个无现金的华夏社会日益流行和进步的在线信贷服务。

  Besides Alipay’s Huabei, another e-commerce giant JD.com also launched its virtual credit card service Baitiao to let its users buy products on its app and websites now and pay the debt later, usually in the next month or following months if users choose to pay in installments with interest.

  除了支付宝的花费呗,其他一家电商巨头京东为生产了那个虚拟信用卡服务——京东白条,用户可以在那个使用和网站上先购买产品,下个月免息还款,啊可以选择分期付款的方法,但是需要支付一定的利息。

  In response, experts are appealing to young consumers to be rational in their spending, especially those with little disposable income.

  对于,专家呼吁年轻消费者理性消费,对于那些可支配收入较少的顾客来说更是如此。

  (全文共402单词,China Daily)

  ►再难点词汇:

  constitute  vt. 结合,结合;建立;除

  frugal  adj. 节约的;节约的;花钱少的

  transition  n. 连;变;[分子生物] 转换;变调

  rational  adj. 合理的;理性的 n. 有理数

  disposable adj. 但是随意处理的;但是随意使用的;所以了即可丢弃的

  ►帮帮提示:考研英语同源外刊美文赏读汇总

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