Breaking the bottleneck of SME financing and promoting consumption by lifting consumer credit have become an important way to realize the transformation from wholesale finance to retail finance in China. This book puts the focus on consumer financing, introducing the financing situation, constraints, preferences, and representative tools, and gives a brief discussion on the Credit Reference System in China. It will be indispensable to every financial company intending to expand business through financing tools, and any academic institutions wishing to make more sense of this topic.