Personal consumption loans, also known as consumer loans, are RMB loans issued by banks to individuals for purchasing durable consumer goods or paying other expenses with designated consumption purposes. Personal consumption loans mainly include housing, automobiles, large durable consumer goods, agricultural machinery, house decoration, tourism, student assistance, and maximum revolving loans. (1) Loans granted by auto loan institutions to borrowers for purchasing automobiles and engineering vehicles that meet the registration requirements of public security departments (vehicle management offices). (2) Education loans generally refer to national student loans and ordinary student loans. National student loans refer to loans granted to college students who meet the conditions of central and local financial interest subsidies; General student loans refer to commercial loans issued to students in colleges and universities and new students, as well as on-the-job further study, re-employment training and students studying abroad. (3) Loans for agricultural machinery and equipment with a normal service life of more than 3 years issued by agricultural lending institutions to borrowers, including equipment such as ploughing, sowing, irrigation, drainage and harvesting. (4) Large loans for durable consumer goods. Loans to borrowers for household durable consumer goods purchased from dealers, including household appliances, computers, furniture, fitness equipment, kitchen utensils, sanitary ware, musical instruments, etc. (five) housing renovation loans to urban individuals to issue housing renovation loans. (six) tourism consumption loan borrowers to participate in travel agency tourism consumption loans.