So to imagine the phone of the future is also to imagine the future of consumer technology, and its personal and social impact.

所以想象电话的未来也就是想象消费科技的未来，以及想象未来的电话会对个人与社会产生的影响。

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Personal comprehensive consumer loan is referred to the RMB loan provided to the borrower by the bank, used for designated concrete consumption.

个人综合消费贷款是银行向借款人发放的用于指定消费用途的人民币贷款。

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In fact, over the past 30 years you can explain only about 3% of the change in personal consumption through consumer confidence.

事实上，在过去的三十年中，你只能利用消费者信心解释个人消费中3%的变化。

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World-of-Mouth (WOM) and buzz has always been an efficient and effective way to help new products reach the mass consumer market, especially in personal consumer products industry that is conducive to fashion and faddism.

FORBES: The Power of WOM and Buzz: The Soul Cycling Craze

Ian Livingston, BT's chief executive officer, told Marketplace Europe the "consumerization" of business -- the trend for personal consumer devices such as smartphones and tablet computers to be used in the workplace -- was redefining the way we do business.

CNN: BT CEO: Smartphones and tablets transforming workplace

Promisingly, the Chinese bank regulator announced draft rules in May to allow domestic and foreign institutions to set up consumer-finance firms to offer personal loans for consumer-goods purchases.

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