消费

However, there are visible directions in research of this problem, which is either external analysis academically, thinking consumerism as neutral problem, such as sociology, or extensive praise, thinking consumerism as boundless beneficence to promoting economical increase, such as economics, or new exploration on advancing technical problem of consumption, so as to help the sustaining increase of consumerism, such as marketing, or as agent provocateur of consumerism, so as to research psychology of consumers, and to find out psychological weakness in human nature, such as consumption psychology.

但各个学科对这个问题的研究也明显存在着方向性的问题：它们或者从纯学术的意义上对消费问题进行客观的分析，对消费主义的盛行采取中性的态度；或者对消费主义的兴起兴高采烈，把消费主义看作是促进经济增长的有功之臣；或：耆对促进消费的技术性问题进行新的探索，以便助消费主义持续增长的一臂之力；或者充当消费主义的密探，对消费者的心理进行偷窥，为消费主义寻找人性的心理弱点，以便进行攻击。

Future changes in the structure of the overall consumer trends : consumer structure will undergo fundamental changes, from material consumption-oriented non-material consumption-oriented; Consumption will further reduce the proportion of survival information, enjoyment and development of information consumption increased; Changes in the structure of consumption and quality of life stage characteristics of high-grade consumer goods, such as housing, automobiles increased effective demand, consumer demand for services greatly enhance the awareness and quality requirements.

未来居民消费结构变化的总体趋势是：居民消费结构将发生根本性的变化，即从物质消费为主转变为非物质消费为主；生存资料消费比重将进一步降低，享受和发展资料消费比重上升；消费结构的变化越来越体现生活质量阶段的特征，各种高档消费品，如住房、汽车的有效需求上升，对服务消费的需求和质量要求意识大大提高等。

The second chapter descriptive analyzes the source, structure, level and style of the college students' consumption. There is difference in the consumption level of the college students. The college students' consumption is no longer a single structure , it presents the diverseness. Their consumption style is dualism——the scientific and reasonable modern characters and consumption style of consumerist.

第二章从消费水平、消费结构和消费方式等方面对大学生消费情况进行了描述性分析：大学生消费水平存在着层次性和差异性；大学生消费不再是单一的结构，而是出现了多样性；大学生消费方式具有双重性——既有科学、理性的现代消费特征，又倾向于消费主义消费方式。

On the basis of an analysis of the present profile of automobile consumer credit in China,a discussion is done on the meaning of its development. This thesis introduces the development of the market of automobile consumer credit overseas, and finds out the reasons why overseas automobile consumer credit leads to the successful development of automobile industry. It also analyses the causes of the slump in the market of automobile consumer credit in the country in aspects of influential elements such as economy,policies,society,consumption norms and so on. It has a deep discussion on some obvious problems in this field. For example,the market of automobile consumer credit is of no scale; the prices of automobiles are high; taxes are heavy and expenses are too much; average residents still have low income and no definite balance between income and predicted expenses; there is no perfect social credit system and individual credit system; there is not enough awareness of credit among the public. Taking theories in the area of industrial economics into consideration,it proposes basic measures of promoting the development of consumer credit in China: building up a credited society,a perfect and sound personal credit system.With credit database as the platform,all parties will be able to share information,improve the credit database,relevant regulations and laws as well as a risk warning system,thus operation and management of the operating entities will be improved,the cost of the practice of consumer credit will be reduced; strengthen the innovation of present financial system,develop financial products corresponding to different groups of customers,improve services,perfect the mode of "bank+insurance+automobile agents",make full use of the interne,adopt the practice of turning credit into securities.

本文在我国现阶段汽车消费信贷现状分析的基础上，对大力发展汽车消费信贷的意义进行了讨论；通过分析国外汽车消费信贷市场的发展概况，解析出国外汽车消费信贷促进汽车产业发展成功的原因；从影响汽车消费信贷市场发展的有关因素如经济环境、政策环境、社会环境和消费习惯等方面分析了我国汽车消费信贷市场现状低迷的症结所在；对中国汽车消费信贷市场的一些明显问题，如汽车消费市场尚未形成规模，汽车价格偏高，税费和使用费用负担沉重，相对较低的居民收入与预期收支不确定，社会信用体系尚未建立，个人信用制度缺失，公众信用意识淡薄等方面进行了深入探讨；立足于产业经济学理论，提出了构建信用社会，建立健全和完善个人信用体系，建立个人资信评估机构和登记制度，引入专业的资信中介机构，以信用数据库平台为基础，各方共享资源，组建客户信用数据平台，完善法规制度建设，建立健全汽车信贷消费的法律体系，建立风险预警机制，提高汽车消费信贷经营主体的经营管理水平，降低汽车信贷业务成本，加大金融制度创新的力度，开发适合不同消费群体的金融产品，提高服务质量，完善"银行+保险+汽车经销商"的汽车信贷模式，充分利用互联网、实行贷款证券化等促进我国汽车消费信贷发展的基本措施。

Stressing on "fine reputation","quality","service","credit","practice", not only the grandeur.④Encouraging the innovation, not the unearthliness, playing down the effect of entertainment stars or idols, decreasing the fashion index.⑤"personality" is not the "self central". Social sense of responsibility and interpersonal "feeling of affinity" are both intensified.3.1.2 Factor analysis, revealing 19 value element vectors, which include "comfort","personality","simple","fine reputation","responsibility","service","price","wisdom","distinction","enthusiasm","stimulation","taste","sex difference","quality","vigor","idol","fashion","affinity","aesthetic" and so on. Four orientation diagrams coordinated with the average factors and the standard deviations of these 19 value elements, described the multi directional value orientation structure for China college students' sportswear consumption.3.1.3 Clustering analysis are applied to classify the former 19 value elements, which discovered that three inferior group are classified from the college students' consumption group based on the whole specimen data. It could be the reference of enterprise brand building for the orientation of consumption values.3.2 General personal values, self conception and demographic are lead into as three major variables for the interrelationship analysis of sportswear consumption value system.3.2.1 Firstly, the college students having their general values and existing the inferior group feature regarding to the consumption values.

三、研究的主要成果及其意义对中国大学生休闲服消费价值体系进行探索性分析1、首先对中国大学生休闲服消费价值观量化问卷所调查的样本数据进行频数统计趋向性分析，发现呈现的主要特点有：(1)"个性化"和"简约"已成为潮流，而寻"刺激"、找"激情"总体收敛；(2)追求"美感"，更不放弃"舒适"，两者兼得才是完美；(3)重"美誉"、讲"质量"，重"服务"、讲"信用"，求实际、不求高贵，"明智"有素；(4)求新不求怪异，明星、偶像效应淡化、时尚指数不高；(5)"个性化"不是"唯我化"，社会责任感和人际"亲和力"在强化。2、其次对样本数据进行因子分析，揭示出以"舒适"、"个性"、"简约"、"美誉"、"责任"、"服务"、"价格"、"明智"、"独特"、"激情"、"刺激"、"品位"、"性差"、"质量"、"活力"、"偶像"、"时尚"、"亲和"和"美感"等十九个价值元素为矢量的休闲服消费价值体系，并以因子均值和标准差为参数勾画出19个价值元素坐标四方位图，从总体上描述了中国大学生休闲服消费多维的价值取向结构。3、再者进行聚类分析，对上述十九个休闲服消费价值元素作不同量值的分类，发现在样本总量中可以细分为有较大区分度的三个类别，呈现出大学生消费群体中存在休闲服消费价值体系不同的亚群体，可为以消费价值观为取向的企业品牌价值定位提供参考基谱。

Only finding out the rule of the consumption structure change and mastering the hotspot of the consumption demand, the government could supply a good policy environment and lead the consumers to increase the consumption effectively; the consumption structure and industry structure could be unisonous and the national economy could develop steadily and healthily at last.

从理论角度讲，消费需求的具体内容主要体现在消费结构上，要增加居民消费，就要从研究居民消费结构入手，只有了解居民消费结构变化的趋势和规律，掌握消费需求的热点和发展方向，才能为消费者提供良好的政策环境，引导消费者合理扩大消费，才能促进产业结构调整与消费结构优化升级相协调，才能推动国民经济平稳、健康发展。

Essential requests: comprehending the basic concept and theories of consumer psychology, the general law of consumer's psychological activity and personal characters, perfectly and truly know the consumer's behavior which bases on psychology, understand such some important problems of market economy as consumer's psychology with advertisement, consumer's psychology with wares, consumer's psychology with prices, consumer's psychology with saving and investment, and for the more, definitize the psychological reasons of consumptive behavior, make proper management strategy and elevate the management level.

基本要求：了解消费心理学的概念、基本理论，消费者的心理活动和个性特征等一般规律，对在心理学基础上形成的消费行为学有较完整、准确的认识。理解当今市场经济中消费心理与广告、消费心理与商品、消费心理与价格、消费心理与储蓄和投资这些重要问题，从而明确消费行为的心理依据，制定恰当的经营策略，提高管理水平。

In this way, large consumptions of individuals are undertaken dispersively by collective consumer resources or those of the whole population.

共享含义：人随时都在消费，但是每个人在同一时间消费的物品和多少不同，共享就是汇集大家的消费资源，当伙伴中有人需要大消费时，就在共享消费资源中提出消费，用集体或全民的消费资源分散承担个体的大消费。

This article utilizes the literature material law, the expert interview law, the questionnaire survey procedure, the mathematical method of average and the logical analytic method, Takes the investigation object by Beijing Haidian District middle age female, Through investigates their expense idea, the expense present situation, the consumption pattern, the expense form, the consumption level and so on, Affects them from objective and the subjective angle analysis to participate in the factor which the spor...

本文运用文献资料法、专家访谈法、问卷调查法、数理统计法和逻辑分析法，以北京市海淀区中年女性作为研究对象，通过调查她们的消费观念、消费现状、消费结构、消费形式、消费水平等，从客观和主观的角度分析影响她们参与体育健身消费的因素，就其存在的问题和原因进行深入分析，提出相应的改进对策，同时也通过研究她们的体育消费，为下一步进行全国中年女性体育消费提供基础理论及数据。

Business School of Wuhan Universty, Wuhan 430072, ChinaAbstract : In this paper , we present an equilibrium model of asset pricing. The basic model considers a production economy of two classes of investors with habits formations: one class have "internal habit" such as those in Constantinides (1990) and Sundaresan(1989), habit depends on an agent's own consumption and the agent takes account of this when choosing how much to consume; the other class have "external habit" such as those in Abel(1990) and Campbell and Cochrane(1991), habit depends on aggregate consumption that is unaffected by any one agent's decisions.

本文建立一种拥有两类投资者的模型：一类具有Constantinides(1990)和Sundaresan(1989)模型中的&内在性消费习惯&，该习惯依赖于其自身的消费，投资者在进行消费选择时均要考虑内在消费习惯的影响；另一类具有Abel(1990)、Campbell和Cochrane (1999)模型中的&外在性消费习惯&，该习惯依赖于总的消费水平但不影响消费决策。

Neither the killing of Mr Zarqawi nor any breakthrough on the political front will stop the insurgency and the fratricidal murders in their tracks.

在对危险的南部地区访问时，他斥责什叶派民兵领导人对中央集权的挑衅行为。

In fact,I've got him on the satellite mobile right now.

实际上 我们已接通卫星可视电话了