近几年来,一种新的消费方式——信用消费,在神州各地悄然兴起。1993年11月,上海市第一百货商店率先试行分期付款的信用消费。如今,全市已有20多家商店开展消费信用业务。去年4月,广州“广百”交电商场也推出分期付款营销新招。此外,北京、杭州、深圳等地都已开展消费信用业务。信用消费其实就是分期付款,即消费者在购买商品或享受服务时先付一定比例的款项,余 In recent years, a new type of consumption—credit consumption—has emerged quietly in various parts of China. In November 1993, Shanghai’s No. 1 Department Store took the lead in piloting credit purchases in installments. Today, more than 20 stores in the city have launched consumer credit services. In April last year, Guangzhou “Guangbai” Jiaotong Power Mall also launched a new installment of installment payment marketing. In addition, consumer credit services have been carried out in Beijing, Hangzhou and Shenzhen. In fact, credit consumption is an installment payment, that is, consumers pay a certain percentage of the amount when purchasing goods or enjoying services.