流行于美国、欧洲和日本等西方国家的贷款消费方式深刻地影响着这些国家的青年一代,使他们逐渐成为信贷大军中的重要一族。青年问题专家肯定了这一趋势对促进消费和拉动内需所具有的积极作用,但同时也指出,引导青少年理智消费是家长和社会的共同责任。“寅吃卯粮”渐成时尚２７ Loan consumption patterns that prevail in the West, such as the United States, Europe and Japan, have profoundly affected the younger generation in these countries, making them increasingly important members of the credit armies. The experts on youth affirmed the positive role this trend has played in promoting consumption and stimulating domestic demand. However, they also pointed out that it is the common responsibility of parents and society to guide young people in their rational consumption. “Yin eat grain” has become a fashion 27