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近年来,“信用可以当钱花” 的观念在上海、北京等大 中城市悄悄兴起。日前遇到一位上海朋友,言谈中说起,他明明手头不缺钱,却也到银行注领一张信用卡,“小借小还”,与银行信贷先挂上了钩。问他何故如此,他浅浅一笑:“有借有还,再借不难。等我要借大宗住房贷款时,你就知道我为什么了。”此公果然精明。而在此精明的背后,其实隐匿着关于消费信贷领域里三个环环相扣的问题:第一,借贷双方凭藉的是信用,所谓信
In recent years, the concept of “credit can be used as money” quietly rises in large and medium-sized cities such as Shanghai and Beijing. Recently encountered a friend in Shanghai, talking about it, he obviously no shortage of money on hand, but also to the bank led a credit card, “small borrow small return”, and bank credit linked to the hook. Asked him why, he shallow smile: “There are borrowed, and then borrow is not difficult, etc. When I want to borrow large housing loans, you know why I was.” Behind this shrewdness, in fact, it conceals three interlocking issues in the field of consumer credit: First, both lenders and lenders rely on credit, so-called letters