1. What is consumer credit?

Consumer credit, also known as consumer credit loan, is mainly aimed at individual consumers who are eager to spend and have no funds. Consumers can borrow money first and then repay it in installments, and generally do not need collateral.

Realize today's dreams and spend tomorrow's money.

Housing League China Network has consumer credit loan service, which can be found in Baidu SouFun.

Second, what is consumer credit?

Consumer credit is a kind of loan mainly aimed at individual consumers, also known as consumer credit loan, which is set up because of the desire for consumption and lack of funds. Consumers can borrow money first and then repay it in installments, and generally do not need collateral.

Third, the definition of consumer credit?

Consumer credit is the product of financial innovation, and it is a loan for personal consumption (non-business purpose) by natural persons (unincorporated persons or organizations) run by commercial banks. Offering personal consumption credit is one of the important measures for state-owned commercial banks to adapt to the establishment and improvement of China's socialist market economic system, financial system reform and financial internationalization development trend. It breaks the limitation of traditional one-way financing between individuals and banks, and creates a brand-new creditor-debtor relationship between individuals and banks.

Personal consumption credit refers to the credit provided by banks or other financial institutions to individual consumers in the form of commodity currency through credit, mortgage, pledge guarantee or guarantee. Consumer credit is divided into buyer's credit and seller's credit according to different loan objects. Buyer's credit is a loan issued to consumers who buy consumer goods, such as personal travel loans, personal comprehensive consumption loans and personal short-term credit loans. The seller's credit is guaranteed by installment documents,

Fourth, the definition of consumer credit.

Consumer credit is the product of financial innovation, which is used by natural persons (unincorporated persons or organizations) for personal consumption purposes (non-operating purposes). Offering personal consumption credit is one of the important measures for state-owned commercial banks to adapt to the establishment and improvement of China's socialist market economic system and a series of all-round changes in the financial situation. It breaks the limitation of traditional one-way financing between individuals and banks, and creates a brand-new creditor-debtor relationship between individuals and banks.

Personal consumption credit refers to the credit provided by banks to individual consumers in the form of commodity currency or other gold pledge or guarantee. Consumer credit is divided into buyer's credit and seller's credit according to different loan objects. Buyer's credit refers to loans issued to consumers who buy consumer goods, such as personal travel loans, personal comprehensive consumption loans, loans secured by personal short-term installment documents, personal housing loans and personal car loans. According to the different guarantees, there are guaranteed loans and credit loans. The opening of personal short-term credit loans indicates that state-owned commercial banks have changed their business philosophy, opened up new business areas and broken through the traditional business model. The opening of personal consumption credit conforms to the increasingly diversified demand of financial products, optimizes the credit asset structure of commercial banks, increases the profit channels of commercial banks, and is also conducive to starting the market, expanding domestic demand, increasing the virtuous circle of consumption and production, and promoting; The establishment of personal consumption credit is of great significance to guide individuals to spend in a planned way and improve their lives. However, because China has not yet established a perfect personal credit mechanism, personal economic behavior is not standardized, personal consumption credit has not been established for a long time, and there are not many successful experiences, so there are many new topics to be studied.

Consumer credit is a product of financial innovation and a loan provided by commercial banks for non-business purposes of natural persons. The opening of personal consumption credit is a series of all-round traditional creditor-debtor relations formed by state-owned commercial banks to adapt to the reform of China's socialist market economic system and the development trend of financial internationalization.