The second period was that consumer credit based on bank ' s credit . the third period was the fast developing penod after world war ii * then it analyzes the main conditions of the emergence and growth of consumer credit , such as the 1evel of economy , market condition , the idea of consumers , financial condition , 1egal and regulatory environment , etc . chapter four is a research on housing credit 信用消费的市场关系包括银行和其他金融机构、零售商、各种中介机构以及政府等，银行和零售商分别是信贷资金和商品(服务)的供给者，中介机构包括信用调查机构、担保机构和保险公司等，政府对信用消费进行规范和管理，并制定政策促进信用消费发展。
