The meaning of loan consumption: refers to a form of consumption in which consumers borrow money from banks and other financial and non-financial institutions to buy houses, cars or medical care, tourism and other consumption expenses.

The role of loan consumption:

① First, from the consumer's point of view, it is mainly to meet the housing needs of consumers and improve the quality of life;

Secondly, as far as the relationship between production and consumption is concerned, consumption has a negative effect on production, especially after the economy enters the buyer's market.

Thirdly, from the macro-control policy of stimulating consumption and economic growth, loans have played a promoting role in stimulating consumption to production.