Loans to enterprises selling consumer goods, such as personal micro-loans, personal housing loans, personal car loans, etc. ; According to the different guarantee methods, it can be divided into mortgage loan, pledge loan, guarantee loan and credit loan. The opening of personal short-term credit loans indicates that state-owned commercial banks have changed their business philosophy, opened up new business areas and broken through the traditional business model. The opening of personal consumption credit conforms to the increasingly diversified demand of financial products, optimizes the credit asset structure of commercial banks, increases the profit channels of commercial banks, and is also conducive to starting the market, expanding domestic demand, increasing the production of consumer goods, forming a virtuous circle of production-consumption-production, and promoting the sustained, stable and healthy development of the national economy; The establishment of personal consumption credit is also of great significance to guide individuals to spend in a planned way, improve their quality of life and improve their quality of life. However, because China has not yet established a perfect personal credit mechanism, personal economic behavior is not standardized, personal consumption credit has not been established for a long time, and there are not many successful experiences to learn from, so there are still many new topics to be studied in this business.