一、消费信贷的发展条件（一）消费观点的转变为消费信贷业务的开发、发展提供了前提条件。从消费时机上分析 ,现代人不再拘束于在特定时候才作特定消费 ,消费的随机性明显增强 ;从消费的次序上分析 ,现代人也更多地加入了消费潮流 ,那种按计划 ,由小而大的消费次序明显被打破 First, the conditions for the development of consumer credit (A) Changes in consumer perspective for consumer credit business development and development provided the preconditions. From the analysis of the timing of consumption, modern people are no longer constrained to make a specific consumption at a specific time, significantly increased the randomness of consumption; from the order of consumption analysis, modern people are also more to join the consumer trend, that plan, The order of small and large consumption was clearly broken