学生使用信用卡的利弊研究论文

大学生使用信用卡的好处：一、先消费、后还款：免息期(20-50多天)在某一个商场里面买了东西，刷了卡之后，等过一、两个月再还款，不用我自己多花任何钱，花多少，还多少。二、方便且有助于理财：大学生使用信用卡，可以减少与假币的“偶遇”，减少个人损失，由于大多大额消费的地方都会有刷卡机，因此不用担心接收到假钱，到时还可以接到银行寄来的帐单，一个月下来所消费的东西全在一张纸上，或一个电子邮件上，我想对于一个每天都要花钱的人来说，会好好想想钱要怎么花的。三、积分和活动：用信用卡刷也是那么多钱，用现金也不会多收，可信用卡相对来说有一些和各大商场搞的活动，联名信用卡，都会有一定的折扣，而且也会定期举行一些刷卡活动，也就是只要用那张“卡”就会有好处，还有现金花出去了，就买来了东西，其它什么都没有，而信用卡有积分，当积到一定分数的时候，就可以换到一些理想的礼品，当然也可以做为现金使用。四、安全：大学生使用信用卡，可以减少身上的现金携带，有利于保障人身安全。用“卡”的好处就在于安全，不用过多的担心被盗刷，一般在发现卡丢失的48小时内通知银行，一切的损失都可以补回。比起丢钱包来可安全多啦。五、提高信用度：大学生使用信用卡，有利于增强大学生个人信用意识。通过信用卡的使用，真正地做到信用意识的培养从理论走向实际。有很多人因为没能及时还款而产生了信用不良的问题，不过很少有人会这样做，因为大都会提示自己提前三天去还款，因为这样能够提高个人在银行的信誉度。对自身以后事业的前程都会起到至关重要的作用，特别是创业。大学生使用信用卡的弊：一、信用卡本来是属于一个比较先进消费观念，是现代发展的进步表现。但是没有经济来源的人用的时候，因为不用付现金所以不会产生那么强烈的经济压力，久而久之，洞越来越大。很多人因为这个拆了东墙补西墙，最后变成卡奴。二、大多数学生毕竟还没有自主经济能力，偿还数额较大的信用卡欠款时，他们往往陷于被动，甚至无法按时还款，刷卡缴款不正常利息很高，容力造成个人无法缴款而信用破产。三、没有良好的金钱使用控制能力， 容易养成个人乱花钱的习惯。如果没有节制地透支，会诱导一些大学生去买奢侈品，过早地让他们养成高消费倾向。便捷的支付方式、时尚的支付感觉、辅助理财的特性、使用的安全性、以及透支消费的功能，谁能在这样的诱惑面前无动于衷?这就是大学生青睐信用卡的最重要原因。低风险，高收益，各大银行对大学生客户趋之若鹜，甚至不设任何门槛。至于鼓励学生提前消费是否妥当，似乎并不在各大银行的考虑范围之内。所以，当信用卡跑马圈地，把目标对准没有收入来源的大学生后，上升的是银行的发卡量，下降的是学生的信誉度。形成这种局面，原因不难理解。其一，大学生没有经济来源，经济独立性差，消费没有基础，经济的非独立性决定了大学生自主消费经验少，不能理性地对消费价值进行衡量。二是大学生没有形成稳定、完整的消费观念，自控能力不强，多数消费都是受媒体诱惑、身旁人影响的随机消费、冲动消费，加上信用卡的推波助澜，超前消费导致的困扰，必然应时而生。

以下主要从信用卡使用后的影响上面来谈论利与弊，要点包括了过度消费危害和信用卡折扣等，具体如下：

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：容易让人过度消费，一旦钱变成了数字，我们花的时候，往往比花钞票更大方。控制不好，会造成入不敷出；如果没有按时还款，会产生高额的利息，还会影响你的信用记录。会增加经济负担和以后个人贷款的不便。

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够次数会产生年费，信用卡提现是要收手续费的。

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：用信用卡消费，可以享受到合作商户给的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，一般信用卡取现是有一定额度的，比如交行是你开通额度的50%。有密码一般不会有危险，即便丢失被破解密码，损失也在一定的范围内。

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.

信用卡可以暂时缓解经济困难，对于一些短时经济有困难的人，无异于雪中送炭，毕竟不用放下面子，向别人借钱；良好的信用记录，对以后申请贷款有一定的便利，有可能会获得更高额度的贷款。

信用卡普及 让人欢喜让人愁 几年前，如果谁兜里装有几张信用卡，绝对是身份与地位的象征。如今，这个“旧时王谢堂前燕”，正以迅猛的速度“飞入寻常百姓家”，买家电、购首饰，甚至在超市买上几卷卫生纸或几棵小白菜，都能见着掏出信用卡结算的场面。在信用卡带来方便快捷的同时，一些问题也随之而来，由于消费不慎，有人每个月都在为寄来的账单发愁；有些“精明”的商家则抓住“商机”，为人套现收取手续费。对此，有关专家提醒，信用卡消费须谨慎有度，切莫以为有空可钻，去触犯法律。轻松刷卡刷成“卡奴”王先生就职于宜昌城区一家事业单位，今年初因朋友推荐，在4家银行分别办理了不同透支金额的信用卡，前不久和朋友一起逛国贸时，就把那块很久以前就看中，却一直没舍得买，标价3000多元的表“刷”了下来，“刷卡比用现金时要大方一些，总感觉只是一个数字。”最近几个月，王先生的4张信用卡一直是循环使用，“一张卡里的账单快到期了就赶紧拿另一张卡上的钱垫上，利息都花了几百元了。”与王先生一样的还有在另一家事业单位就职的周先生，今年“五一”，周先生携女友到外地“自驾游”，身上除了几张信用卡，只准备了不到1000元的现金，一路刷下来，也没在意花了多少钱。回家后，周先生电话查询了一下各项开支，发现两张信用卡已接近“刷爆”，累计金额近万元。“从现在起，我每花1分钱都得先考虑一下，没办法，工资全部拿来还信用卡了。”随着信用卡的普及，为账单头疼的不仅是上班族，还在城区某大学上大三的小文（化名）也有一张透支金额为500元的信用卡，当时办卡的初衷是为了方便购物，在发生“经济危机”的时候也会取些现金，“除了父母给的生活费，我没有其他收入，有时就会很不方便，比如这个月生活费用完了，却又想买些书，就可以刷卡消费，等父母钱寄来了再还，一般都是这个月就把下个月的生活费给提前用了。”“尽管经常提醒自己，刷的也是自己的钱，可看见想要的东西还是忍不住想买，每次的借口都是下个月还就行了。”小文告诉记者，自己身边很多同学办了信用卡，透支消费对大学生而言其实也不陌生。信用卡套现可永远不还？急需现金时，就拿信用卡临时取现，这是持卡一族常用的救急办法，不过这种办法的手续费和利息之类的成本不低。于是一种“钻空子”的办法开始流行，利用信用卡“零成本”循环套现，可以“借钱永不还”。 记者在采访中了解到，各个银行办理的信用卡取现的手续费和还款利息都不低，不仅要付手续费，每天还要承受一定的日息，有些持卡人为避免这笔费用，在需要现金的时候就找到装有POS机的朋友进行刷卡换现。刘先生半年前经营着一家电器行，前不久刚刚转手，他的商铺里装有一台POS机，平时来店买电器的大多数是刷卡消费。刘先生透露，在这个圈子中确实存在“套现”行为，一般来刷卡兑现的多为商铺老板的亲戚和朋友，在遇到资金周转不灵时，商户也会通过与持卡人协商刷卡取现，由商户刷卡后将所得金额退还给持卡人，完成数字到现钞的转换。“其实如果有条件的话，完全可以采用刷卡还透支的办法，至少一张卡的钱可以永远不还。”记者在采访中了解到，外地还专门存在着一些“套现”中介公司，他们提供自己的或其他商户的POS机，帮助持卡人制造虚假消费，由中介公司给持卡人套现，并收取手续费。恶意透支将影响个人信用“这种擦边球打不得，否则极有可能影响自身信用，甚至触犯法律。”宜昌市夷陵律师事务所谭明六律师说，信用卡消费是一种小额的信用贷款，但虚构消费用信用卡套现是商户与持卡人合谋，恶意从银行套取一定额度的贷款，这就变成了贷款的违法行为，金额较大会构成犯罪，如果套现者拒不还款，还触犯了《刑法》恶意透支的条款，最高可判处无期徒刑。 招商银行宜昌支行零售银行部工作人员王晓波认为，信用卡主要是用来消费，相当于一张消费卡，一般不提倡取现，消费者在特殊情况下用来取现后，还款一定要及时，在使用信用卡时，需要一个合理的消费习惯和理财方式，以免陷入误区。对恶意透支的行为，银行也出台了措施进行应对，王晓波告诉记者，在招行办理信用卡的持卡人，如在2年内有3次不良记录将被取消其办理信用卡的资格，如果失去诚信，将直接影响到日后的买车、买房、融资等。对于少数不法商贩的“套现”行为，银联商务有限公司宜昌办事处相关负责人表示，安装POS机的商户，有专门的系统对其每天的交易情况进行监控，一般如遇到整笔整笔的刷卡，或同一张卡多次反复刷大金额的商户，银联将同发卡的银行联系，经调查后如属“套现”行为将撤消商户的POS机，同时在3年内不再接受安装POS机的申请。信用卡使用小技巧 信用卡越来越普及，使用范围越来越广，市民该如何合理使用呢？对此，业内专家建议，持有多张信用卡的市民应检查一下手上的信用卡，看哪几张不需缴年费，各自有什么优缺点，然后选择其中较为合适的信用卡作为常用卡，其他的尽量停用。“停用时一定要向银行确认销卡，否则银行还是会收取年费。”专家称，一般来说，身上有两张卡就足矣，一张日常使用，另一张备急。 市民刷卡后，签名存根最好留下来进行核对。每张信用卡都有付款日，要留心还款时间，如果延误，将会产生滞纳金。当通信地址变更时，应及时通知发卡行，不然可能会因账单不能到达而造成损失。

Directions: For this part, you are allowed 30 minutes to write a composition on the topic On a Harmonious Dormitory Life. You should write at least 120 words following the outline given below in Chinese: 1. 宿舍生活有时会出现不和谐的情况; 2. 一个和谐宿舍生活的必要性; 3. 如何创造和谐的宿舍生活。 On a Harmonious Dormitory Life Dormitory life is an indispensable part of college life. But sometimes the harmony in the dormitory be disturbed in one way or another. As is known to all, a harmonious dormitory life is important to college students and benefits all the members. On one hand, we can have a good rest and put our heart into study. On the other hand, we will have a good mood and enjoy being together. There are several ways to create and maintain a harmonious dormitory life. Firstly, you have to evaluate your life-style and try to get rid of your dirty habits, if there are any. Secondly, when an annoying situation arises, you’ll just have to learn to tolerate each other and co-exist. Thirdly, you’ll have to share with each other and make good friends. In conclusion, we should try our best to build a harmonious dormitory life for the sake of good study and good life. 点评：“和谐”成为我们当今社会词频概率最高用词，就社会而言，倡导建立和谐社会；就家庭而言，提倡建设和谐家庭；就校园来讲，则要建立和谐校园；和谐两字似乎无所不在，大学生宿舍生活同样需要和谐。本预测题与四级考试热点密切相关，又为典型的校园生活主题，值得关注。 Directions: For this part, you are allowed 30 minutes to write a short essay on the topic College Students’ Job Hunting. You should write at least 120 words following the outline given below. 1. 近几年出现了大学生就业难的现象 2. 产生这种现象的原因（如大学生追求的目标过高，专业不对口等） 3. 如何解决这一问题（改变就业观念，大学生再培训等） College Students’ Job Hunting In recent years, college students find it increasingly difficult to get a job. It sounds strange since young college students are usually intelligent, well-educated phenomenon, aspirant and eager to bring their talent into full play. Then what underlies the strange phenomenon? There are several reasons for this. To begin with, nowadays college students aim too high. All they want are “good” jobs which could offer good salary, comfortable working conditions, high social status among others. Consequently, most college students are unwilling to accept vacant jobs they consider not “good” enough. Another reason is that there is a big gap between the majors some students study in school and the demands of vacant jobs. So companies think some students are not fit for the jobs. Solution to the problem requires efforts on both the society and the students. The companies should value the students, talent and knowledge while the latter should not merely aim at material gains. They should be down-to–earth in building up their career. Furthermore, they should face their weak points so as to improve themselves and be more competent. 点评：本预测题为社会热点话题。近年来大学生就业难日益成为各级政府及社会各方面关注的焦点，媒体也广泛报道了大学生就业形势严峻，呼吁全社会共同努力；此外，该预测题也与大学生就业密切相关，也是四级作文选题重点之一。 Directions: For this part, you are allowed 30 minutes to write a short essay on the topic of Credit Cards. You should write at least 120 words following the outline given below in Chinese: 1. 越来越多的人使用信用卡， 信用卡有哪些好处 2. 信用卡的弊端 3. 你自己的观点 Credit Cards Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, otherwise known as “plastic money”, are being offered on very good terms to encourage the change. Consumers will be able to “buy now, pay later”, and many see this as an advantage. But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt. The credit cards often charge a high rate of interest, which exacerbates the problems for these people. However, used wisely credit cards can improve the quality of people’s lives. They can give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone. 点评：这是一篇议论文， 关于信用卡的利弊。可以分成三部分： 第一部分，信用卡的好处，比如说应急等；第二部分，信用卡的一些弊端，比如说鼓励一些无用的消费；第三部分：你自己的观点，理性使用。 For this part, you are allowed 30 minutes to write a composition on the topic : How to Keep Psychologically Healthy? You should write at least 120 words following the outline given below in Chinese. 1． 心理健康问题往往是导致疾病的原因 2． 分析人们产生心理健康问题的原因(可从失业、压力过重、缺乏支持、缺乏人际交往能力等方面分析) 3． 你认为人们应如何保持心理健康 How to Keep Psychologically Healthy? One in four people will experience some kind of mental problem in the course of a year. When you fail to manage these problems, they are likely to cause various mental illnesses. The cause of mental health problems often vary a lot from one case to another. In today’s society, a good number of people are suffering from heavy pressure. Others lack communication skills. In addition, a lot of people are ignorant of psychological knowledge about how to keep mentally fit. There are a lot of ways to curb mental health problems and keep psychologically healthy. Firstly, find the real cause of your mental health problem and see whether you can do something about it. Secondly, learn to relax yourself and take exercises to release the pressure. Lastly, you may find it helpful to talk to your partner or friend about your problem, or seek support and advice form a psychological consultant 点评：据报道北京高校100多万名在校大学生中，已经有14名自杀身亡。而去年全年，北京自杀死亡的学生为19人。社会对于大学生心理健康问题越来越关注，如何保持心理健康成为社会关注话题。本预测题与校园生活联系紧密，是四级考试关注度较高的话题，值得重视。 Directions: For this part, you are allowed 30 minutes to write a composi-tion on the topic Aid Education in should write at least 120 words f-ollowing the outline given below in Chinese: 1. 每年，高校许多大学生受到鼓舞去贫困地区支教。 2. 支教活动的意义。 3. 我的看法。 Aid Education in China Each year, college students, encouraged to aid students in the poverty-stricken areas, volunteer themselves in poor villages for a year and try to improve education in poor areas. Aid-education has been beneficial in two aspects. On the one hand, college volunteers are really devoted to the cause. They have opened the eyes of students in underdeveloped regions to the outside world by bringing them new knowledge and thoughts. As a result, they are extremely well-received by the children there. On the other hand, college students have received a rigorous training by adapting to the harsh living conditions. They are enjoying the appreciation and no-distance friendship from the children. What’s more, they are greatly inspired by the moving and tireless spirit of the children. In my opinion, China’s educational development can’t be isolated from each individual and we college students should take the lead in response to the appeal for offering aid to children in poor areas. Directions: For this part, you are allowed 30 minutes to write a short essay. You should write at least 120 words following the outline given below: 1. 现在某些高校校园禁止车辆驶入， 2. 这种规定的考虑， 3. 谈谈你的看法。 Should cars be allowed into College Campus? With the rapid development of our national economy, private cars have become in large number; of course, quite a few cars are heavily driven into College Campus. In a significant way, these cars do not take up students’ places for study, but actually affect their daily life and study-- for instance, this crowd of cars may make noise and emit filthy gas to choke us to death. And the campus is jammed with lines of cars and seems to be parking lot instead of an academic institute. So cars have been strictly prohibited into many College Campuses. It seems that this is not convenience to some persons, indeed, but this is for the sake of our safety. Thus when someone enjoys convenience from modern tools, don't forget that it is dangerous to the students in the College Campus. Therefore, I agree that cars are not allowed into College Campus. By and large, with the price of cars falling significantly, cars will enter average families, and most Chinese will enjoy a luxurious lifestyle in their life. However, they are still prohibited to drive their cars into College Campus, which , I think, is a hard truth in the eyes of most people. 点评：随着人们物质生活的提高，私家车发展迅猛，越来越多的私家车停放在校园，由此产生了一些问题，如空间被占、噪音污染、环境污染等，为此许多学校禁止车辆驶入校园，本预测题与2006年1月名校校园是否对外开放相仿，值得关注。 Directions: For this part, you are allowed 30 minutes to write a composition on the topic Choosing an Occupation. You should write at least 120 words following the outline given below in Chinese: 1. 选择职业是一个人要面对的众多难题之一。 2. 需要花时间去选择职业。 3. 选择职业时可以向多人寻求建议和帮助。 Choosing an Occupation One of the most important problems a young person faces is deciding what to do. There are some people, of course, who from the time they are six years old “know” that they want to be doctors or pilots or fire fighters, but the majority of us do not get around to making a decision about an occupation or career until somebody or something forces us to face the problem. Choosing an occupation takes time, and there are a lot of things you have to think about as you try to decide what you would like to do. You may find that you will have to take special courses to qualify for a particular kind of work, or you may find out that you will need to get actual work experience to gain enough knowledge to qualify for a particular job. Fortunately, there are a lot of people you can turn to for advice and help in making your decision. At most schools, there are teachers who are professionally qualified to give you detailed information about job qualifications. And you can talk over your ideas with family members and friends who are always ready to listen and to offer suggestions.