个人消费贷款、购房贷款、购车贷款等日益普及,用银行贷款买东西,靠贷款盘活个人的现金流无疑是有必要的。不过,银行的便宜并不好占,在银行办理贷款时,必须警惕贷款陷阱。民间金融盛行,以P2P的“人人贷”为代表的互联网信贷进入高速发展期。新生事物的诞生有其积极的一面,也有其消极的一面。网络信贷可以为你提供新的投融资渠道,但也要明白里面的风险,同时要对非法网络信贷欺诈设立“防 Personal consumption loans, purchase loans, car loans and other increasingly popular, using bank loans to buy things, rely on loans to revitalize the personal cash flow is undoubtedly necessary. However, the bank’s cheap and not good accounting, bank loans, we must guard against loan traps. The prevalence of non-governmental finance, Internet credit represented by P2P’s ”Renren Loans“ has entered a period of rapid development. The birth of new things has its positive side, but also has its negative side. Internet credit can provide you with new financing channels, but also understand the risks inside, and set up ”anti-fraud