随着人民生活水平的不断提高,住房、小汽车等一些大件商品也开始逐步进入普通百姓家庭。但是,由于居民收入水平目前尚未达到能潇洒地一次性支付现款购买这些大件商品的能力,于是,分期付款这一欧美发达国家超前的消费方式目前也在我国逐渐地流行开来。分期付款的好处是显而易见的。它能使居民在购买能力尚未达到购买大件商品(如小汽车、住房等)时超前使用这些商品,同时也避免了厂家生产这些产品所造成的积压。但是,当前困扰人们的一个问 With the continuous improvement of people’s living standards, some bulky commodities such as housing and automobiles have also begun to gradually enter ordinary families. However, due to the fact that the income level of residents has not yet reached the ability to purchase these bulky goods on a one-off basis at a one-time payment, the advanced consumption method of developed countries in Europe and the United States, such as amortization, is now gradually gaining popularity in our country. The benefits of installments are obvious. It enables residents to advance the use of these products when they have not yet reached the purchasing power of buying large items (such as cars, shelter, etc.), while avoiding the backlog created by manufacturers of these products. However, one question currently troubling people