On the basis of relevant theories, it can be found that the consumer's consumption level will be subject to the current income level and expected to receive The income level determines the consumer's consumption of water the main influencing factors of flat. The gap between the current income level and the expected future income level of consumers At the present stage, the consumption level is insufficient, which is not conducive to the immediate consumption of consumers, improving the consumption level and improving the quality of consumption, It is also not conducive to giving play to the important role of consumption in driving economic growth. This chapter tries to analyze the promotion of consumer credit the confidence of the residents of the town, and the mechanism that affects the service consumption expenditure.