消费信贷下的“月光族”现象分析
Analysis of “Moonlight Clan” Phenomenon under Consumer Credit

在蓬勃发展的经济背景下，我国信用体系也更加的系统化，因此许多年轻人的消费观念也发生了巨大变化，他们无法控制自己的消费欲望，缺乏投资理财意识，进行过度消费，被称为“月光族”。本文将在阐述“月光族”的现状以及产生原因的基础上，着重分析“月光族”的两面性并提出相关建议，从而促使年轻人理性消费。
In the context of the booming economy, Chinese credit system has become more systematic. Therefore, many young people’s consumption concepts have also undergone tremendous changes. They cannot control their consumption desires, lack the awareness of investment and financial management, and conduct excessive consumption. They are named as “Moonlight Clan”. This article will explain the status quo of the “Moonlight Clan” and the reasons for its occurrence, meanwhile, focusing on analyzing the duality of the “Moonlight Clan” and put forward relevant suggestions to encourage young people to consume rationally.