“用明天的钱办今天的事”,“为您理财跑腿”,这些曾经深入人心的个人消费信贷广告词,如今却并不能发挥其应有的作用。装修贷款、旅游贷款、大额耐用品贷款……曾经品种丰富的个人消费贷款,却在这段时间被银行进行了大“清洗”,部分品种将彻底淡出市场。个人消费信贷为何坐了“冷板凳“?今后个人消费信贷能否再现昔日的“红火”?银行应该采取哪些措施提升和完善个人消费信贷?消费者面对银行停办该业务,应该如何应对呢? “Use Tomorrow’s Money to Do Today’s Things,” and “Run Money for Your Run.” These once-popular personal consumer credit adwords can not now play their due role. Renovation loans, travel loans, loans for large durables ... Once a variety of personal consumer loans, but during this period was a large bank “cleaning”, some species will completely out of the market. Why personal consumption credit sit “cold bench”? In the future personal consumer credit can reproduce the former “prosperous”? Banks should take measures to enhance and improve personal consumer credit? Faced with the bank to stop the banking business, how to deal with it?