一提起消费信贷，人们传统的观念总把它看成是寅吃卯粮，其实这是一种误解。寅吃卯粮指的是人们把明天吃的饭提前到今天吃掉，因而明天有饿肚皮的危险，而信贷消费是指把明天的节余提前到今天来开支，这样的消费并不会削弱明天的生活质量。 消费信贷发生在需要长期积累而又长期 When it comes to consumer credit, it is a misunderstanding that people’s traditional thinking always regards it as a meager meal. It means that people eat the meal they eat tomorrow ahead of schedule today, so tomorrow there is a danger of starvation. And credit spending means spending tomorrow’s savings ahead of schedule today, so that consumption will not undermine the quality of life tomorrow . Consumer credit takes long-term accumulation and long-term needs