杆杠型消费是什么意思

中文段落：

杆杠型消费，简称杠杆消费，是一种通过借款或利用其他财务杠杆来增加消费能力的行为。杠杆消费允许消费者以较小的自有资金，通过借款或利用其他财务工具，如信用卡、消费贷款、按揭贷款等，来扩大自己的购买力。这种方式在现代社会中非常普遍，尤其是在房地产市场、汽车市场以及高档消费品市场。杠杆消费可以带来诸多好处，如提前享受高品质生活、提高生活质量等，但同时也伴随着一定的风险，如债务压力、财务风险等。因此，消费者在选择杠杆消费时，需要充分考虑自己的经济实力、还款能力以及风险承受能力，合理规划自己的消费行为。

英文段落：

Leveraged consumption, briefly referred to as "leverage consumption," is a practice of increasing one's consumption power through borrowing or utilizing other financial levers. This approach allows consumers to expand their purchasing power with relatively small amounts of their own funds by borrowing or utilizing financial tools such as credit cards, consumer loans, and mortgages. Leveraged consumption is particularly common in modern society, especially in the real estate, automotive, and luxury goods markets. While it offers numerous benefits, such as enjoying a high-quality life ahead of schedule and improving one's quality of life, it also carries certain risks, including debt pressure and financial vulnerabilities. Therefore, when choosing leveraged consumption, consumers need to fully consider their economic strength, repayment ability, and risk tolerance, and plan their consumption behavior reasonably.