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据报载,1993年底以来,上海悄悄兴起一种新时尚,消费者购物不用付现金,而是按自己喜好在特定商场选择好商品,先享受,然后再分期付款给期销公司。此种购物方式打破了“一手交钱,一手交货的消费观念,为广大工薪阶层提前享受小康生活提供了一种有益的尝试。目前信用消费分为两大类:一是信用销售,包括分期付款(期销)和信用卡;二是消费信贷,它起源于美国,已有100多年历史。消费者到商店买东西不用支付现金,而是与期销公司办理分期付款手续,由期销公司一次性垫付货款给商店,取得商品所有权,余款由消费者在一定期限内通过银行分期偿付给期销公司,付清最后一期款,商品便归消费者所有。这种消费方式俗称”负债消费“。上海银通信托资信有限公司是我国第一家从事
According to newspaper reports, since the end of 1993, Shanghai has quietly started a new fashion. Instead of paying cash for consumer shopping, consumers prefer to choose good products in specific shopping malls according to their preference, and then enjoy the payment in installments before selling the products to the sales company. This kind of shopping mode has broken the concept of ”one-handed payment and one-handed delivery of consumption concept, which provides a useful attempt for the majority of working-class people to enjoy a well-to-do life in advance.Credit consumption is divided into two categories: First, credit sales, including Installment (sales) and credit cards; Second, consumer credit, which originated in the United States, more than 100 years of history. Consumers to the store to buy things without paying cash, but with the sales company for installment procedures, by the marketing company One-time advance payment to the store to obtain the ownership of the goods, the balance by the consumer within a certain period of time by bank installments to the sales company, pay the final installment, the goods will be owned by consumers.This way of consuming commonly known as Debt Consumption ". Shanghai Yintong Trust Credit Co., Ltd. is China’s first