The status quo of China's consumer credit market makes Western banks that have invested heavily in the Chinese banking industry still invest in credit card business and are not profitable. However, foreign banks have not lost confidence in the Chinese credit card market. Although Chinese consumers have not overdrawn Consumption habits, and the other side of this "coin" is that the personal debt ratio of Chinese residents is very low. The personal consumer credit market in mainland China has just begun to develop, which is extremely attractive to foreign banks. "Coin" in this text refers to:. ["China's banking industry.", "China's consumer credit market.", 'Consumption habits of Chinese consumers.', 'The economic status of Chinese residents.']