However, affected by various kinds of unfavorable factors, most consumers just say "yes" instead of taking advantages of consumption credit system.

但由于各种不利因素的影响，消费信贷出现了所谓“叫好不叫座”的现象。

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Therefore, if consumers agree with the district management authority of the ID card (credit) is impossible, too many disputes can only make money consumption ID card system could not be used.

因此，要使消费者认同小区管理的ID卡的权威性(即信用)是不可能的，太多的金钱纠纷只能使ID卡消费系统无法使用。

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The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.

个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。

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