It used to be that only businesses had the need or ability to deal with banks. But in recent years financial services and loans-whether in the form of auto loans, credit loans, home improvement loans, student loans, or even loans to finance a honeymoon or the payment of taxes-have become ubiquitous parts of people's lives from cradle to grave.
迥異於早期僅有企業才有需要、或是有能力和銀行打交道，晚近發展的「消費金融」則是全面滲透到每個人的日常生活裡，從車貸、信貸、修繕貸款、學生貸款，甚至度蜜月、繳稅都可以貸款，金融服務──特別是借貸──已幾乎涵蓋了從搖籃到墳墓的所有環節。