Nowadays, the consumer credit is becoming more popular and people’sconsumption idea is changing. Some people tend to spend tomorrow’s money fortoday’s comfort. They believe that anticipating tomorrow’s money benefits theindividuals as well as the society. In my point of view, I agree with this.

　　現在，消費信貸已經變得比以前流行了，人們的消費觀念也改變了。有些人喜歡為了今日的方便花費明日的錢財。他們相信提前消費對個人和社會都有好處。在我看來，我同意這個觀點。

　　Inthe first place, for the individual, spending tomorrow’s money can make oneenjoy the products or services that one can not afford at the present.Definitely there are times when one’s purchasing power can not meet one’scurrent needs of necessities, and anticipating tomorrow’s money can solve thisproblem. For instance, many families that can not pay cash for major items suchas houses, cars, furniture and appliances are able to purchase them withoutcash on the installment plan.

　　第一，對于個人來說，花明日之財能夠讓人享受當前無法消費的產品和服務。能肯定的是，人有時候當前的購買力無法滿足當前需求的'必需品，那么超前消費就能解決這個問題。例如，許多家庭無法用現金購買大件物品，例如房子，車子，家具和電器，那么他們能夠用分期付款的形式來購買。

　　Inthe second place, something unexpected may happened any time. For normalfamilies, once family member are terribly ill, which needs a barrel of money.The consumer credit could play an important role in this situation, it couldsave lives.

　　第二，天有不測之風云。對于普通家庭來說，一旦家庭成員得了重病，需要一大筆錢，消費信貸在這時就扮演了一個重要的角色，它能救人一命。

　　Toaddition, spending tomorrow’s money contributes to the progress of our society.Overspending, which means a satisfied large demand for the consumer products,can help shape a better production structure, drive forward our economy andinvigorate the whole society eventually.

　　再者，花明日之財對社會的發展也有貢獻。過度花費意味著滿足消費者的需求很大，能夠塑造一個更好的生產結構，推動我們的經濟，最終振興整個社會。

　　Ina word, using tomorrow’s money is a better way to make the individuals as wellas the society goes round.

　　總而言之，花明日之財是推動個人和社會的好途徑。

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