消费金融是指金融机构向消费者提供包括消费贷款在内的金融产品和服务。广义上的包括以银行为代表的金融机构所从事的消费金融,比如:房贷、车贷、信用卡等。消费金融同时具有消费贷款和现金贷款两种类型,消费贷款主要解决居民或小微企业资金不足的困境,实现先使用后付款或边使用边付款;现金贷款则主要满足应急周转以及社交支出需要。中国经济进入新常态,消费担当了经济增长的最主要动力,相比一些发达国家,我国的个人居民 Consumer finance refers to the financial institutions to provide consumers, including consumer loans, financial products and services. In a broad sense, including financial institutions represented by banks engaged in consumer finance, such as: mortgage, car loans, credit cards. Consumer finance has two types of consumer loans and cash loans. Consumer loans mainly solve the dilemma of insufficient funds for residents or small and micro enterprises to realize payment after use or payment while using cash loans mainly to meet emergency turnover and social spending needs. China’s economy has entered a new normal and consumption has played the most important driving force for economic growth. Compared with some developed countries, China’s individual residents