“今天花明天的钱”、“信用消费”是金融业发达国家的人们的一种普遍生活方式,曾经令国人可望而不可及。如今,国内多家银行也开始提供个人信用贷款的业务,它的诱人之处在于,你不必以任何东西作抵押,空着手就可以从银行拿到大笔的贷款了。它是我们进入“信用消费”时代的福音吗? “Tomorrow’s Money” and “Credit Consumption” are a common way of life for people in the developed countries of the financial industry. They used to make people in the country too elusive. Today, many domestic banks are also beginning to provide personal credit loans business, and its attraction is that you do not have to have anything as a mortgage, you can get a large amount of loans from the bank. Is it a gospel we enter the era of “credit consumption”?