Personal consumption credit is the product of financial innovation, and it is a loan provided by commercial banks for personal consumption purposes (non-business purposes) of natural persons (unincorporated persons or organizations). Offering personal consumption credit is one of the important measures for state-owned commercial banks to adapt to the establishment and improvement of China's socialist market economic system, financial system reform and financial internationalization development trend. It breaks the limitation of traditional one-way financing between individuals and banks, and creates a brand-new creditor-debtor relationship between individuals and banks. In particular, 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 positive 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 many new topics to be studied in this business.