It points out that the total quantity of consumer credit is on the rise but with a slow growth.

指出我国的消费信贷总量虽在上升，但增速减缓。

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However, statistics show that the consumer line of credit has not yet exceeded the size of its credit 10% of the total scale, some small and medium-sized city commercial Banks and even less than 1%.

但统计表明，各行消费信贷的规模仍未超过其信贷总规模的10%，有的中小城市商业银行甚至不到1%。

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Total consumer credit default is 7.6%, the same level as last year but two points higher than the 7.7% default rate in 2009, which was a record breaking year for loan defaults due to a recession.

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Although total consumer debt is up since 2007, credit card debt is actually down.

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The rise in total consumer debt was widespread, as consumers increased both their credit card debt and took out loans for automobiles and other big-ticket items, excluding real estate.

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