Many Banks impose strict restrictions on consumption loans.

现在好多银行对消费信贷都有严格的规定。

youdao

In China, small-sum credit has expanded to ordinary agricultural production loans or consumption loans.

在中国，小额信贷已扩展到一般农业生产贷款或消费贷款领域。

youdao

Unlike the latter, the bank strongly discourages consumption loans, though, depending on the need and necessity, it may lend for such purposes;

与后者不同，银行极其不鼓励消费型贷款，尽管有时候是迫不得已，若真是那样他们也会考虑。

youdao

These policies will limit future domestic consumption growth in the same way that they have in the past, and the greater the amount of nonperforming loans generated the tighter the constraints on consumption growth.

WSJ: China's Consumption Conundrum

Milford Bateman - a consultant in local economic development - argues there is evidence a lot of micro finance is used for consumption spending and can trap people in simply servicing loans.

BBC: Banking on eradicating poverty

As these and other policies boosted savings by constraining consumption, other policies, like those aimed at engineering massive loans to capital-intensive manufacturing at very low interest rates, forced rapid growth in domestic production.

WSJ: China's Consumption Conundrum