美丽陷阱,年轻人的信用卡危机

Despite these optimistic growth projections, China's cash-centric consumer culture and traditional beliefs about personal finance have meant that consumers are resistant to change, thus slowing the adoption of electronic payment methods.
尽管有这些乐观的增长预期，中国以现金为中心的消费文化和对个人理财的传统信仰意味着消费者抗拒变革，从而缓慢采用着电子支付方式。

Many of these cultural beliefs stem from Confucian values, which see borrowing as shameful because it means living beyond one's means.
这些文化信念很多是源于儒家价值观，视借贷为可耻的，因为这意味着生活不自足。

However, Western consumption-driven lifestyles are finding their way into China, especially among the youth.
然而，西方消费驱动型的生活方式正在逐渐进入中国，特别是青年之中。

This is demonstrated by the materialization of a new class of yue guang zu, those "with no savings at the end of the month." This group includes young urban students and professionals under 35, largely in first and second tier cities, who have begun to abandon some of the cultural taboos surrounding borrowing money in order to fund their modern, highly consumerist lifestyles, in some cases spending well beyond their means.
这由那些“月底没有储蓄”的新阶层“月光族”的物质化来证实。这一群体包括年轻的城市学生和35岁以下的专业人员，主要在一二线城市，他们已经开始放弃一些文化禁忌，通过借钱来支付他们现代高消费主义的生活方式，某些情况下开支远远超出他们的能力。

Many of these changes in the cultural attitude toward credit have been driven by aggressive marketing by banks issuing credit cards, which offer rewards, discounts and so on to encourage spending.
这些对信用卡的文化态度的变化很多是由积极的信贷市场所驱动，通过银行发行的信用卡、提供奖励、折扣等来鼓励消费。