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China needs traditional
“
old
lady
”
spirit
--advocate
living within our income
A
Chinese
old
lady
and
an
American
old
lady
are
going
to
heaven.
Before
them
seeing the god, they
chat.
“It
is so great that I can afford to
purchase a house at the end of
my life
after hard working for a
lifetime.”
the
Chinese old lady says happily.
“Well
, I feel
happy
for
my
loan
of
a
house
and
it’s
finally
been
paid.
”
the
American
lady
responds.
Many years later,
similar scene replays except for the reply of the
American lady--because
of
the
break
out
of
the
subprime
crisis,
quantities
of
Americans
are
on
the
brink
of
bankruptcy and can not
afford the loan, leaving more or less debt for
their children. This is
a famous story
on the argument of which consumption is more
worthwhile to advocate,
over consuming
or living within our income? People rarely reach
an absolute consensus
on such a
controversial issue.
At present, some
people think over consuming is reasonable and
necessary; while
others claim living
within our income is better. Both sides have their
merits. Undeniably,
Chinese
economy
has
rapidly
developed
in
recent
years.
As
the
society
advances
amazingly,
people
’
s demands have become
increasingly diversified and outspread. In the
process of modern urban
development, we often find
ourselves
in
a
financial dilemma.
Admittedly,
advance
consumptions
bring
many
benefits
and
conveniences
to
our
life.
However, along with the positive
effects, they have resulted in new social
problems, such
as financial crisis and
credit crisis. After careful consideration of both
sides, I am inclined
to take sides with
the latter. Carefully weighing in mind, we will
find that the harm of over
consumption
in China outweighs its merits. The living way of
proportion expenditure to our
income
is
more
rationalized
and
suitable
to
us
as
well
as
our
Chinese
basic
national
conditions.
Many people argue that
“American
people are
shrewder because they make full use
of
their money and enjoy a higher quality
life
”
.
They consider that Americans are brave
to spend money of the future and enjoy
their personal life
—
which
benefits both civil life
and
country
’
s economic
development, unlike Chinese people live a hard
life for several
tens of years but only
can relax and enjoy life in old age. Therefore
they draw a conclusion
①
that
we should dispel apprehensions and act with
courage to spend future money.
At first
thought, this opinion seems to be sensible and
sound. But on second thought,
we will
find that it is not often the case.
On
the
first
place,
although
the
pattern
of
over
consumption
offers
people
more
short-term benefits and help the
increase of GDP
, this pattern of
consumption is threaten
by economic
crises, which are especially caused by
“
bubble
economy
”
. The United States
sub-loan
crisis
is
a
good
illustration
of
this
point.
With
advance
consuming
becoming
easier and more
fashionable, more and more people tend to over
measure their paying
abilities and
consume lots of things that they used not to dare
to pay for their expensive.
Growing
material desires shared
people
’
s eyes under the
fashion of over consumption. As
too
many people were too eager and panic to buy
houses, a large number of consuming
demands
were
release
in
advance.
It
exacerbated
the
market
supply
and
demand
contradictions as
well as the upward pressure on prices in recent
years. The increasing of
these blindly
advance demands, finally, greatly threatened
market balance and produce a
large
pressure on the market supply. Once market demands
overrun supplies, economic
crises
were
not
far
away!
Therefore,
over-consumption,
supply
us
short-term
benefit
though, is not a
scientific way of economic developing.
On the second place,
“
General speaking, the
developments of economy is hard to
predict,
resulting
in
many
economic
policy
mistakes.
”
It
also
suits
the
live
of
common
people fine. The uncertainty of the
future life increases the risk of advance
consumption,
alarming
us
the
infeasibility
of
over
consuming.
There
are
many
possible
unexpected
things in the
future like traffic accidents, work changes or
disease breaking out. What is
more,
people
always
tend
to
eager
for
more
rather
than
just
what
they
can
afford.
Unfortunately, too many people are too
young to have learned this principle. So every
time
when the end of the month is
approaching, these poor people find they
haven
’
t have well
controlled their desire for purchase
and now they are unable to carry such hurry debt.
So,
as every one can image, tragedy
comes into being. Those who
can
’
t afford loans have got
to
borrow
more
money
from
bank
and
pay
for
their
old
debt.
As
this
vicious
circle
continues, the
investment of bank is
“
incre
asing
”
,
country
’
s income is
< br>“
increasing
”
,
GDP is
②
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