First, from the perspective of consumers, it is mainly to meet consumers’ living needs and improve consumers’ quality of life; second, from the perspective of the relationship between production and consumption, consumption has a counterproductive effect on production. Especially after the economy enters the buyer's market, the counter-effect of consumption on the economy becomes more prominent; thirdly, from the perspective of macro-control policies that stimulate consumption to stimulate economic growth, loans play a driving role in exerting the stimulating effect of consumption on production. .