消费借贷 meaning in English

loan for consumption
mutuum

Consumer loan rates tied to the prime rate , such as those on many credit cards and home equity loans , may rise as well
消费借贷利率，如很多信用卡和房屋净值借贷，利率也相应提高。
The bad news : banks had no competitive incentive to learn proper risk management , or to introduce modern retail banking or consumer lending
坏的则是银行没有竞争动机去学习风险管理，引入现代零售银行或者消费借贷。
On the other hand , the author draws a conclusion that this system is feasible from our country ' s reality - the development of credit economy , the improvement of personality of natural person , the rising of consumed debit and credit , and the evolvement of legislative tradition
另一方面，从我国现存的实际情况，如信用经济的发展、自然人人格的完善、消费借贷的上升以及立法传统的影响等得出结论：自然人破产制度是切实可行的。第三部分具体建构了我国自然人破产制度。