Credit consumption is very popular in some economically developed countries. Many consumers meet the demand for durable consumer goods such as housing, cars, and household appliances by advancing income that they have not yet reached. In countries with developed consumer credit, the general concept of people is: they cannot be debt Explain that your reputation is poor. If the above statement is true, which of the following statements must be premised? ['In developed countries, consumer credit has become an important means for commercial banks to expand operations and strengthen competition.', 'Consumer credit is beneficial to both the country and the people, and the country can use the interest rate reduction to stimulate consumption to buy more goods.', 'The society has established a complete and strict credit network, and banks can inquire and monitor the economic status of creditors.', 'Insurance companies can provide insurance to lenders to protect the safety of bank assets.']