分期付款購物在美國很流行

　　現在購物的支付手段有很多種。接下來小編為大家整理了，希望對你有幫助哦!

　　Estimates indicate that more than 60 percent of the yearly retail sales in the U.S. are credit transactions. About three-fourths of these credit sales are made on the installment plan. More than half of the automobiles, furniture, and household appliances are purchased on the installment plan.

　　They have learned how mass production helps them to get the goods and services they want at a price they can afford to pay. But mass production is not possible except when people buy freely. Many families cannot pay cash for major items such as automobiles, furniture, and appliances.

　　Under the installment plan, however, these families are able to purchase without cash. The opportunity for consumers to buy now and to pay later has increased mass consumption of goods and services.

　　Some economists believe that selling goods and services to consumers on an installment plan is one of the major factors in making our high standard of living possible. They reason that installment selling increases the consumption of goods, which in turn increases production and thus tends to lower costs.

　　There are some people who argue that many families would never save enough to make major purchases, but when they purchase on the installment plan, they are obligated to pay the installments when they come due.

　　Of course, government officials, bankers, and businessmen express concern about excessive purchasing on the installment plan. If many people who owe money on installment contracts lost their jobs or had their incomes reduced, they would probably not be able to make their payments.

　　據估計,美國每年零售額的百分之六十以上都是賒購交易。這些賒購中大約有四分之三是用分期付款的方式進行的。有一半以上的人用分期付款的方式購買汽車、傢俱和家用電器。

　　他們懂得大規模生產真怎樣幫助他們按能承受的價格購買他們所需要的商品和勞務。但是，只有當人們能夠隨意購買時，才可能進行大規模生產。許多家庭無力用現金購買像汽車、傢俱和家用電器這類的大宗商品。

　　然而，用分期付款的方式，這些家庭就能夠不用現金購物。向顧客提供先購物後付款的機會，增加了商品和勞務的消費量。

　　一些經濟學家認為，用分期付款的方式向客戶銷售商品和勞務是提高人們生活水平的一個重要因素。他們爭辯說，分期付款銷售促進商品消費，商品消費又促進生產，從而降低成本。

　　有些持不同意見的人爭辯說，許多家庭決不可能存那麼多的錢去購買大宗商品，可是，他們用分期付款的方式購物，就承擔了到期付款的責任。

　　當然，政府官員、銀行家及企業家對過度的分期付款購物表示擔憂。如果許多簽了分期付款合同而欠債的人丟了工作，或者收入減少，很可能會喪失支付能力。