１．在已办的汽车消费货款客户群中，“生产型”货款占比较高，“消费费”货款占比较低。而真正意义的“消费货款”是为了满足那些有一定经济基础和较稳定收入的中产阶级用于提前消费的目的。因为有钱人不用货款，收入较低的家庭又缺少还款能力。现阶段、我国中产阶级的数量还 1. Among the customers who have already done so, the proportion of “production-type” loans is higher, and the proportion of “consumer goods” loans is relatively low. The real “consumer loans” is to meet those who have a certain economic base and more stable income for the purpose of spending the middle class. Because rich people do not need to pay for goods, families with lower incomes also lack repayment ability. At this stage, the number of middle-class people in our country is still high