Ximen Zhenji's subdued voice echoed in the studio:

"We believe that the emergence and popularization of credit cards is a manifestation of social progress. Although there are certain problems with credit card consumption behavior, the overall benefits definitely outweigh the disadvantages. Below we will explain the benefits of credit cards in detail:

First of all, credit card consumption does not require fees and interest from the first day of overdraft, so people with strong self-control can get more than 50 days of interest-free period, which is a great help for individuals and poor people who are strapped for money.

Just imagine, if a person who has just moved from the countryside to the city to work with almost no savings and wants to start a small business, but needs to struggle with 'whether this month's 5,000 yuan should be used to pay rent and support the family's life, or whether he will starve and sleep on the flyover for two months, save money to buy an electric tricycle and stove, and open a pancake and fruit stall', then if he can reasonably use his credit card to pay for certain consumer goods and even investment purchases, 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 to the overall promotion of social economy.

As the National Institute of the People's Republic of China said in last year's government work report, with the deepening of the foreign financial crisis, China's future economic growth point will have to change from the extensive pull mode of 'investment and export' to the troika of 'consumption, investment and export'. The expansion of credit card consumption is the ...... that has arisen in this context."

Simon Zhenji's statement is more general, and in general, it is to analyze and list the benefits of the credit card consumption system to consumers themselves, to the social economy, to the state apparatus, and to practitioners in the financial field.

The judges and the audience didn't react, after all, everyone usually knows this knowledge vaguely, but it's not so systematic. Ximen Zhenji's statement is just an outline to sort out a clue.

At the end of the statement, Ximen Zhenji inevitably listed the points that may be attacked in the credit card consumption system and the current situation. For example, the risk of financial fraud caused by malicious overdraft, and the risk of becoming a card slave when individuals have no self-control.

However, after the statement, she will attach a statistical data to explain what the current proportion of this risk is, such as the bank bad debt rate caused by credit cards, and the number of credit card cases per year, which makes people feel that the benefits still outweigh the disadvantages at a macro level. Even if there are problems, they are all pains in the process of development.

"It's decent, the logic is good, and there's an improvisational twist and end. Adjust and train again, and when a few of us graduate, it's no problem to provoke the pillars of the school team. It is unlikely that you will get good results in the next session, but with Ximen Xuemei as the backbone, there is still hope for another rush. ”

Feng Jianxiong has been listening there, and he also heard that Ximen Zhen Ji is not simply reciting, but has made clever fine-tuning in combination with the atmosphere of the scene, especially considering the difference in the composition of the audience and the expectation - the audience is the most likely to be fanned and morally kidnapped, so even if it is the positive side who speaks first, he cannot say a word according to the debate plan.

For example, if there are uneducated mobs below, then the positive side should think that the opposite side only needs to cite one or two extreme cases of bloody family destruction and wife separation due to Kanu, and the rhythm of everyone will be brought to fly.

On the American side, every time a presidential candidate goes to the Rust State to canvass for votes, don't they all do it — not one of them, but both.

At the end of Ximen Zhenji's presentation, the host said a few words, and it was Xia Da's turn to start speaking.

There is really nothing new under the sun, and the other party's rebuttal is basically the same as the disadvantages mentioned by Ximen Zhenji just now, but it is much more detailed, and there are many bloody examples.

“…… We believe that credit card spending does more harm than good, that is, the disadvantages are mainstream. If credit card spending is not further regulated, then the disadvantages will continue to dominate.

In addition, the concept of 'mental account' in economics tells us that those who spend cashless are prone to the illusion that 'personal wealth has not decreased', which leads to irrational over-consumption behavior.

Secondly, at the consumer level, the popularity of credit card consumption has also led to the proliferation of financial risks, and credit card fraud and fraud have emerged in an endless stream......"

……

In just 3 minutes, Xia Da's argument involved a lot of points, and almost mentioned all the disadvantages of credit card consumption that can be attacked.

But Feng Jianxiong and Yu Meiqin, masters of this number of paragraphs, heard a little, and knew that the other party's confidence was not very comprehensive: in terms of specific development, that guy almost only focused on depicting the two problems of "Kanu" and "stimulating excessive consumption and unhealthy view of money", and at most brought some "financial bad debt risks and dishonesty".

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

Therefore, on the side of the Jinling Division Brigade, they immediately knew how to focus on counterattacking later.

Patiently waiting for Xia Da's argument to end, the host of the game also said a few passing words - especially emphasizing that "please note that the point of view of this game is the result of the draw, and it does not mean that the debaters on both sides hold this point of view, please do not over-interpret it."

Only then was it announced that the second phase had begun.

This kind of remark has also had to be emphasized repeatedly in the past two competitions, and each time it is emphasized after the conclusion of the argument.

Because many debates are getting deeper and deeper into social life, ordinary people can interject a few times, and today's Internet trolls are becoming more and more developed, which is easy to carry a strong color of public opinion and moral kidnapping. Only by emphasizing that the position of the draw does not represent the position of the debater himself, can the debater be better protected from the online mob attacking the debater who stands for calm.

After the host finished speaking, Feng Jianxiong stood up with Shi Shiran.

"The opponent's defense friend just talked about the main drawbacks of credit card consumption, and from the momentum point of view, it can really be described as a vibrating forest. It's a pity that when we think about it logically, we have to feel that that kind of remark is really a pity.

The opponent told us that credit card consumption is one of the triggers of the credit and financial crisis in some countries because it 'leads to false demand and distorts national economic decision-making' – and I have to tell you that the main cause of this subprime mortgage crisis is the proliferation of junk debt and the over-packaging of other complex financial risks.

Even if it were to be forcibly related to 'consumption,' Americans would be to blame for issuing too many mortgages to low-income people with poor solvency. Have you ever seen a country in the world where you can borrow even a large amount of money like 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.

Taking a step back, anyone who knows a little bit about economics knows that buying a house cannot be called 'consumption', and its classic definition belongs to 'investment'. Spending too much never leads to a bubble, only over-investing does.

Therefore, the disadvantages of credit card consumption that the opponent just-emphasized cannot be blamed for the uniqueness of the credit card system, but as long as there is financial credit in this world, even if it is credit to be mortgaged, there will be over-issuance, risk, and over-investment...... Unless the opposing side feels that the entire modern financial instrument system should be banned, isn't it a crime that is not unaccountable?

Secondly, the opponent's defense friend told us that 'for individual consumers, excessive and blind consumption should be curbed, the risk of overdraft should be avoided, and a mature consumption concept should be cultivated', and the so-called economic 'psychological account' was cited as an example, and the above problems were conclusively blamed on the credit card consumption system.

Then I have to give in to this system, Alipay is more convenient than credit cards, if the mobile phone is upgraded in the future, maybe you don't even have to lose the payment password, you can pay the money as long as you press a fingerprint - please don't think my idea is strange, in Silicon Valley's AuthenTec company, this technology has been made, and it has matured, but there are no financial service companies and machine suppliers to integrate it into the payment system.

According to the logic of the opponent's defense friend, in order to make everyone more calm when paying, should all the technological advances that make it easier to spend money do more harm than good? Should all scientific and technological advances in this area be blocked?

Then let's not talk about credit cards, even swiping debit cards can be abolished, debit cards are also after entering the password, "swipe" the money will go out in an instant, the same makes people's brain prefrontal cortex have no time to react, only the lizard brain and the nucleus accumbens part of the pain.

It's better not to even need a check in the future, and everyone can buy things and count the change. Because according to the opponent's argument, the more often and for the longer the money is counted before spending it, the deeper the pain caused by the reduction of property in people's hearts, and the more people can make careful calculations and not spend all the money that can be spent or not......

Finally, the opponent mentioned that 'for the banking and financial system, the unsecured and low threshold of credit cards will lead to an increase in the bad debt ratio of banks and an increase in financial risks' - here I have to remind again 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 is prepared to deny the entire financial system and argue that the very existence of the financial system does more harm than good, he is typical

I don't know if the opponent's defense friend has ever been in contact with life and has gone deep into the people. If you go to the vast rural areas to take a look, you will know how widespread unsecured small private loans are at present, how obvious the needs of the poor are, and the 12% annual interest rate can only be borrowed between acquaintances and close friends. With so many cases of illegal fund-raising and so many small loan sharks every year, do they harm fewer people than credit cards? Do they bring a lower risk of bad debts than credit cards? And this is only the tip of the iceberg of the need for unsecured credit......

——

(PS: The above is enough for 3000 words, don't want money below, say a few words.)

Some book lovers have questioned the source of the argument plot, so let's focus on explaining it here.

First of all, I don't have so much time to make up so many opposing arguments out of thin air, so the opposing argument will be mainly designed according to the idea of Nankai University when it won this game in history, of course, I will organize the wording and style separately, and consider the fit with the competition environment.

This was the same idea in previous competitions.

Feng Jianxiong's defense, from the beginning to the end of the book, is designed by myself, and there may be some places where those who have watched the video of the competition feel that it is slightly similar, and it is just that 'the hero sees the same thing'. But I definitely have a big uplift, and make up for the shortcomings-

Because most of the topics I chose were lost by the teams that sided with Feng Jianxiong in history. If you think about it on your knees, you know that if I copy it completely, won't the protagonist lose too. I'm sure I'll have to rely on my IQ to fill in the holes and shortcomings of that team in history, right? ）