消费信贷,是指金融机构为使消费者能够购买商品和劳务而提供的信用贷款。消费信贷是市场经济发展到一定时期必然出现的一种经济现象,它的成长有其自身的规律。可以说,消费信贷和其他许多事物一样,有其兴衰、生死的轨迹,有其发展的生命周期。生命周期一般是指事物诞生、成长、壮大、衰退直到消亡的过程,消费信贷的生命周期分为潜伏期、 Consumer credit, refers to the financial institutions to enable consumers to purchase goods and services provided credit loans. Consumer credit is an economic phenomenon inevitable for the market economy to develop for a certain period of time. Its growth has its own laws. It can be said that consumer credit, like many other things, has its own path of prosperity, life and death and its developmental life cycle. Life cycle is generally refers to the process of birth, growth, growth, decline until the demise of things, consumer credit life cycle is divided into the incubation period,