Then, tracing to its source, explains the economics theoretical foundation of the consumer credit, that is, time-favor theory, life-cycle hypothesis and permanent-income theory.
而后追根溯源，阐释了消费信贷的经济学理论基础，即时间偏好理论、生命周期假说和持久性收入假说。
2
Familiar with CPG(Consumer Packaged Goods) industry product lifecycle and product last period;