“寅吃卯粮”是个贬义词,指入不敷出,预先支用了以后的收入。但从国家经济的发展来看,“寅吃卯粮”并不一定是坏事。推行消费信贷,实行提前消费,就是借银行的钱买东西满足今天的消费,再拿明天的收入去还银行的账。这样就突破了今天购买力的限制,把今天和明天的收入捆在一起用,实现了提前消费,满足了当前的迫切需要。这样虽然要支付一定的利息,但是获得了一个时间差带来的效益。例如,有的家长为了 “Yin eat grain” is a derogatory term, refers to make ends meet, pre-support the future income. However, judging from the development of the national economy, it is not necessarily a bad thing to “eat by grain”. The implementation of consumer credit, the implementation of early consumption, is to borrow money to buy things to meet the bank’s spending today, then take tomorrow’s income to the bank’s account. This is a breakthrough in the purchasing power of today’s restrictions, the income of today and tomorrow tied together to achieve the consumption in advance to meet the immediate needs. Although this will pay a certain interest, but obtained a time difference benefits. For example, some parents in order