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  3. Shopping on Installment Now more and more Chinese, especially the young, have begun to buy cars or houses on bank loan. Writ

Shopping on Installment Now more and more Chinese, especially the young, have begun to buy cars or houses on bank loan. Writ

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问题 Shopping on Installment
    Now more and more Chinese, especially the young, have begun to buy cars or houses on bank loan. Write a passage of at least 120 words to express your views on "Shopping on Installment"(论贷款消费). You may either agree or disagree. But whichever position you take, use specific reasons or examples to support your position.
选项
答案Shopping on Installment Agree(同意) Nowadays, more and more Chinese, especially the young, have come to accept the notion of shopping on installment. They prefer to loan money from banks to buy a car or house immediately and then they pay back the loan as well as the interest month by month, and year by year. Personally, I applaud the change in people’s consumption habits. In today’s China spending borrowed money on such luxuries as cars, houses, is no longer a shame. It’s known to all that cars and houses are very expensive, and it’s almost impossible for most people to clear off the payment on non-installment. So it’s stupid to save for a house for twenty years, and a car for another twenty years. The day you can afford these things, you may have become too physically weak to enjoy the comfort and excitement of life. It’s true that the bank loan may exert a financial as well as psychological burden, but with the borrowed money you can enjoy your life earlier. So why not buy now, and pay later. Disagree(反对) Some people would like to put aside some money regularly or at most spend what they have earned, while others would like to loan from the bank, that is, to use tomorrow’s money. I am personally on the side of the former group of people. It’s absolutely necessary to save up for the future. As is known, some goods like cars, houses etc. are costly and you can hardly buy them with one month’s salary, or even with one year’s income. To buy such products, you will have to set aside adequate amount of money for ten years or more. Otherwise, how could you buy such costly things? Moreover, most families have to pay handsome money for kid’s education, which accounts for a lion’s share of the family expenditure. Without enough savings, how could you afford the child’s education? If you depend on the bank loan for everything, how will you be able to pay off all the debts? Thrift is a traditional Chinese virtue. We have to budget the money we earn, and live within the means. A person who doesn’t save money and even overdraw at the bank will end up as a pitiful old man. At that time, you can never loan money from the bank because you are too old and no longer productive.
解析     第一篇赞成贷款购物的想法。文章短小精悍，篇幅不长，但是说理充分，令人信服。作者从越来越多的人，特别是年轻人，逐渐接受了贷款消费的观念说起，间接地为贷款消费下了定义。文章以提早享受生活为支点，论述了贷款消费的好处。第二篇持反对的观点，提倡勤俭、积蓄的传统消费观念。文章举出充足的理由，论证了在我国储蓄的重要性。论述观点鲜明，层次清晰。特别是结尾段中意味深长的劝诫，更增强了短文的感染力。
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