在美国,贷款消费已成消费主流,小到电视机、冰箱,大到汽车、游艇、房屋等,人们大多采用分期付款或抵押贷款的方式购买。这样一来,到时付不了款或还不了贷款的现象大量出现。商家、银行为挽回损失,往往会想办法把那些已卖出 In the United States, the consumption of loans has become the mainstream of consumption, ranging from TV sets, refrigerators, cars, boats, houses, etc. Most people buy by installments or mortgages. As a result, the phenomenon of the loan can not be paid or not yet appeared in large numbers. Businesses, banks to recover the losses, often think of ways to put those who have been sold