消费信贷在发达国家金融体系和金融产品中占有重要地位。如美国金融业消费贷款占金融业务量的第一位，它们的整个金融体系是为消费者设计的。而我国银行体系，却都是围绕着企业设计的。社会生产的起点和终点都是消费，今后，我们的银行也应该围绕消费和消费者来安排自己的运作 Consumer credit plays an important role in the financial system and financial products of developed countries. For example, consumer loans in the financial industry in the United States account for the largest amount of financial business, and their entire financial system is designed for consumers. However, our banking system is all designed around the enterprise. The starting point and end point of social production are consumption. In the future, our banks should also arrange their own operations around consumption and consumers