{"id":2148,"date":"2014-02-01T15:11:20","date_gmt":"2014-02-01T14:11:20","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2148"},"modified":"2026-02-27T15:03:50","modified_gmt":"2026-02-27T14:03:50","slug":"jeunesse-dangers-et-risques","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/fr\/in-jungen-jahren-gefahren-und-risiken-konsum\/","title":{"rendered":"JEUNESSE \u2013 DANGERS ET RISQUES"},"content":{"rendered":"

L'attrait de la consommation<\/h2>\n

Le patrimoine des jeunes n'est g\u00e9n\u00e9ralement pas encore important. Ils re\u00e7oivent peut-\u00eatre un salaire d'un emploi de vacances, de l'argent de poche ou des cadeaux en esp\u00e8ces. Mais les tentations de la publicit\u00e9 et de la soci\u00e9t\u00e9 de consommation sont grandes. Les jeunes veulent participer \u00e0 la soci\u00e9t\u00e9 et \u00eatre remarqu\u00e9s. Ils ont souvent le sentiment de ne pas \u00eatre \u00e0 leur place s'ils ne poss\u00e8dent pas certains articles de marque.<\/p>\n

La consommation a besoin de mod\u00e8les et de perspectives<\/h3>\n

Le probl\u00e8me de l'endettement des jeunes ne doit pas \u00eatre sous-estim\u00e9. Emprunter de l'argent \u00e0 la famille ou aux amis fait partie de l'organisation financi\u00e8re de la vie quotidienne pour certains d'entre eux.<\/p>\n

Comme un Analyse du Panel suisse de m\u00e9nages de janvier 2012 sur l'endettement des jeunes<\/a> montre que la proportion de m\u00e9nages ayant des dettes sous forme de cr\u00e9dit, de leasing ou de pr\u00eat est la m\u00eame pour les jeunes que pour les adultes. Malgr\u00e9 des encours moins \u00e9lev\u00e9s, la charge financi\u00e8re est \u00e0 peu pr\u00e8s la m\u00eame en raison du revenu plus faible des jeunes.<\/p>\n

Ma\u00eetriser le comportement d'achat et la consommation<\/h3>\n

Les jeunes s'endettent pour acheter des biens de consommation avant d'avoir gagn\u00e9 l'argent n\u00e9cessaire. Ils copient le comportement d'achat de la classe sup\u00e9rieure ais\u00e9e et le style de vie des c\u00e9l\u00e9brit\u00e9s.<\/p>\n

En t\u00eate de liste des d\u00e9penses figurent les t\u00e9l\u00e9phones portables et les smartphones, y compris les frais applicables, les v\u00eatements de marque, les cosm\u00e9tiques, l'\u00e9lectronique grand public et les sorties.<\/p>\n

Les jeunes qui ont des probl\u00e8mes pour contr\u00f4ler leur comportement d'achat doivent chercher un soutien professionnel le plus t\u00f4t possible. Vous trouverez des informations sur ce sujet, par exemple, \u00e0 l'adresse suivante www.schulden.ch<\/a> ou sur www.schuldenberatung.ch<\/a>.<\/p>\n

Sauvegarder l'article en PDF :\u00a0A un jeune \u00e2ge - dangers et risques.pdf<\/a><\/p>\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Les jeunes doivent d'abord apprendre \u00e0 g\u00e9rer leur argent de mani\u00e8re responsable. Il est donc important qu'ils connaissent leurs droits et obligations en tant que consommateurs. Sinon, il y a un risque de comportement d'achat incontr\u00f4l\u00e9 et d'endettement, m\u00eame \u00e0 un jeune \u00e2ge.<\/p>","protected":false},"author":2,"featured_media":202845,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Konsumverhalten Jugendlicher: Einblicke und Risiken","_seopress_titles_desc":"Erfahren Sie, wie Konsum junge Menschen finanziell belastet und welche Rolle Werbung 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