消费金融对日常生活有何作用？

Group 1 - Consumer finance plays a fundamental and critical role in meeting diverse consumer demands, allowing consumers to purchase high-priced items through credit services, thereby enhancing their quality of life [1] - The emergence of consumer finance has broken the limitations of previous funding constraints, enabling consumers to shift from basic necessities to higher quality and more personalized products, which drives market innovation and product development [1] - Consumer finance is essential for economic growth, stimulating consumption and creating a positive cycle that boosts production and employment, thereby enhancing economic stability and efficiency [2] Group 2 - The rise of consumer finance has led to the creation of numerous jobs in related industries, including credit approval, risk management, and customer service, contributing positively to employment stability [2] - Consumer finance significantly impacts daily life and extends to macroeconomic operations and social employment, injecting strong momentum into the improvement of individual living standards and the stable development of the economy [2]