Ximen Zhenji's ups and downs, echoing in the studio:

"We believe that the emergence and popularity of credit cards are a manifestation of social progress. Although there are certain problems in credit card consumption behavior, the overall benefits are definitely greater than disadvantages. Below we will specifically state the benefits of credit cards:

First of all, credit card consumption does not require handling fees and interest from the first day of overdraft. Therefore, people with strong self-control can get more than 50 days of interest-free period, which is a great help to individuals with tight funds and the poor.

Just imagine, if a person who has just started working from the countryside from the countryside and wants to do some small business, he has to worry about "will pay the 5,000 yuan this month to pay the rent and provide the family with a living, or sleep on the overpass for two months when hunger, save money, buy an electric three-wheeler and stove, and open a pancake stall," then if he can use a credit card to reasonably pay for certain consumer goods and even investing shopping, wouldn't he be able to survive the initial difficulties?

Secondly, credit card consumption is not only conducive to personal capital turnover, but also very obvious in the overall promotion of social economy.

As the National Wu Academy said in last year's government work report, as the foreign financial crisis deepens, the growth point of our country's future economic growth will have to change from the extensive pulling model of "investment and export" to the three troops of "consumption, investment and export". The expansion of credit card consumption is precisely what arises under this general background..."

Ximen Zhenji's statement is more general. In general, it lists the benefits of the credit card consumption system to consumers themselves, the social economy, the state machinery, and the financial practitioners in analytical manner.

The judges and the audience did not respond much. After all, everyone usually knows this knowledge, but it is not so systematic. Ximen Zhenji's comments are just to sort out a clue and context.

At the end of the statement, Ximen Zhenji also listed the possible attack points in the credit card consumption system and current situation. For example, the risk of financial fraud caused by malicious overdrafts, and when an individual has no self-control, he becomes a card slave.

However, after the statement, she will accompany a statistical data to explain the current proportion of this risk, such as the bank bad debt rate caused by credit cards and the number of credit card cases each year, which makes people think that the benefits outweigh the disadvantages in the macroscopic manner. Even if there are problems, they are all pains in the development process.

"It is a normal rule, the logic is good, and there is also improvisational start and end. After training and training, it will be fine to take on the school team after we graduate. It is unlikely to get a good grade in the next session, but with Ximen as the backbone, there is still hope to strive to advance to the line again."

Feng Jianxiong was listening there and also heard that Ximen Zhenji did not simply recite, but made clever fine-tuning based on the on-site atmosphere, especially considering the difference between the audience composition and expected - the audience is the easiest to be fanned and morally kidnapped, so even the positive side who speaks first cannot speak word-changed according to the debate plan.

For example, if there are uneducated mobs below, then the positive side should think: as long as the negative side cited one or two extreme cases of bloody family and family separation due to Kanu's family, everyone's rhythm will be brought to life.

On the American side, don’t they do this whenever the presidential campaigner goes to Rust State to canvass votes - not one file, but both file do this.

Ximen Zhenji's statement ended. After the host said a few words, it was Xia Da's turn to start talking.

There is indeed nothing new under the sun. The other party’s rebuttal points are basically the same as the disadvantages mentioned by Ximen Zhenji just mentioned, but they are much more detailed, and there are many bloody examples.

"...We believe that credit card consumption is more harmful than good, that is, the disadvantages are the mainstream. If credit card consumption is not further regulated, the disadvantages will always dominate.

In addition, the concept of "psychological accounts" in economics tells us that those consumption without cash expenditures can easily cause people to have the illusion that "personal property has not been reduced", which leads to irrational excessive consumption behavior.

Secondly, from the consumer level, the popularity of credit card consumption has also led to the proliferation of financial risks, credit card misuse, and frauds emerge one after another..."

...

In just 3 minutes, Xia Da’s first debate involved a lot of points, and almost all the disadvantages of credit card consumption that could be attacked.

However, when a master of the number of paragraphs like Feng Jianxiong and Yu Meiqin heard it a little, they knew that the other party’s confidence was not very comprehensive: in terms of specific development, the guy almost only focused on the two issues of “card slaves” and “stimulating excessive consumption and unhealthy view of money”, and at most it also brought some “risks of financial bad debts and breach of trust”.

As for other disadvantages, he just listed a name, and did not even expand on how it caused it.

So the Jinling Division immediately knew how to fight back later.

Waiting patiently for Xia Da to make an end, the host of the game also said a few formalities - especially emphasized, "Please note that the views and positions of this game are the result of the draw of lots, and do not mean that the debaters on both sides hold this view themselves, so please do not over-interpret it."

Then, the second phase was announced.

This kind of words has been repeatedly emphasized in the past two competitions, and they are always emphasized after the conclusion is over.

Because many debate topics are becoming more and more deeply involved in social life, ordinary people can get a few mouthfuls. In addition, today's Internet trolls are becoming more and more developed, and they are prone to strong public opinion and moral kidnapping. Only by emphasizing that the lottery position does not represent the position of the debater himself can we better protect the debater and prevent online mobs from criticizing those debaters who stand for calm.

After the host finished speaking, Feng Jianxiong stood up calmly.

"The opponent's debater just mentioned a few main disadvantages of credit card consumption. Judging from the momentum, it is really awesome. Unfortunately, when we carefully consider it logically, we have to feel that such remarks are really regrettable.

The opponent's debater told us that credit card consumption for the country, "will lead to false demand and cause distortion of national economic decisions, which is one of the fuses of the credit and financial crisis in some countries" - and I have to tell you that the main reason for this subprime mortgage crisis is the proliferation of junk debt and the excessive packaging of other complex financial risks.

Even if it is forcibly related to "consumption", it is important for the Americans to issue too many mortgage loans to low-income people with poor solvency. Have you seen a country in the world that can even borrow money such as buying a house with a credit card overdraft? If so, please tell me that I will go to that country to buy a house immediately.

Let’s take a step back, those who know a little bit of economics know that buying a house cannot be called “consumption”, and its classic definition belongs to “investment”. Too much consumption will never lead to bubbles, and only excessive investment will lead to bubbles.

Therefore, the disadvantages of credit card consumption that the opponent's debater overemphasized just now cannot be blamed on the uniqueness of the credit card system. Instead, as long as there is financial credit in this world, even if the credit to be mortgaged, there will be excessive issuance, risks, excessive investment, etc. Unless the opponent's debater thinks that the entire modern financial instrument system should be banned, isn't it a crime to be unknown?

Secondly, the opponent's debater told us that "for consumers, excessive and blind consumption should be curbed, overdraft risks should be avoided, and mature consumption concepts should be cultivated." He also cited the so-called "psychological account" in economics, and blamed the above problems on the credit card consumption system.

Then I have to say a word about this system. Paying Alipay is more convenient than credit cards. If the mobile phone is upgraded in the future, you may not even need to enter the payment password. Just press a fingerprint to pay the money. Please don’t think my idea is strange. At Authentec, Silicon Valley, this technology has been made and mature, but there are no financial services companies and whole-machine suppliers to integrate it into the payment system.

According to the logic of the opponent's debater, in order to make everyone calmer when paying, are all technological progress that makes spending more harm than good? Should all technological progress in this area be banned?

Let’s not talk about credit cards, even if you swipe a debit card, you can also get rid of the consumption. The debit card is also "swipe" after entering the password and the money goes out in an instant. It also makes people have no time to react to the frontal cortex of the brain, and only the lizard brain and nucleus accumbens have a pain.

It is best to not even have a check in the future, so everyone can buy things and count change. Because according to the other party’s debater’s point of view, the more frequent the action of counting money before spending money, the longer the time, the deeper the pain caused by the reduction of property in a person’s heart, the more careful the money, and the less money you can spend...

Finally, the opponent's debater mentioned that 'For banks and financial systems, the unsecured credit card and low threshold will lead to an increase in bank bad debt rates and an increase in financial risks' - I have to remind you here that today's debate topic is the pros and cons of the credit card consumption system, not the pros and cons of the financial system. So unless the opponent's debater is ready to deny the entire financial system and believes that the existence of the financial system itself is more harmful than favors, otherwise he is a typical one.

I don’t know if the opponent’s debater has ever been in contact with life and has gone deep into the private world. If you go to the vast rural areas to take a look, you will know how rampant the unsecured small private loans are currently and how obvious the impoverished people’s urgent needs are. The 12% unsecured annual interest rate can only be borrowed between acquaintances and close friends. There are so many illegal fundraising cases every year and so many micro-users, do they harm fewer people than credit cards? Do they bring bad debt risks lower than credit cards? And this is just the tip of the iceberg of the urgent need for unsecured credit…”

——

(ps: The above is enough for 3,000 words, but the following is free, so I will say a few words.

Some book friends have questioned the source of the debate plot, so I will explain it here in detail.

First of all, I don’t have so much time to fabricate so many anti-sider’s views on failure out of thin air, so the anti-sider’s argument will be mainly designed according to the ideas of Nankai University when he won this game in history. Of course, I will organize the wording and style separately to consider the fit with the competition environment.

This is the same idea in previous competitions.

Feng Jianxiong's arguments were designed by me from the beginning to the end of this book. There may be some places where those book friends who have watched the game video think they are slightly similar, but they are just "the heroes have similar views." But I must have had a big improvement and make up for the shortcomings-
Chapter completed!