一、问题的提出在中国的传统理念中,过日子讲求的是量入为出,精打细算。寅吃卯粮,是被那些会过日子的人所不齿的,正如十几年前,超前消费这个词曾一度被当作贬义词来使用。所以,消费信贷这个概念,对于大多数中国人来说,虽然已经不再陌生,但是,从心理上仍然 First, the issue put forward In the traditional Chinese concept, live on the emphasis is measured as cost-effective, careful planning. Eating food is determined by those who will live, just as ten years ago, the term ex ante consumption was once used as a derogatory term. Therefore, the concept of consumer credit for most Chinese, although no longer strange, but psychologically still