Consumer credit refers to loans issued by banks and other financial institutions to consumers for consumption. Consumer credit often requires comprehensive guarantee measures and adequate market credit investigations, which are legally represented as sales contracts (often installment purchases), Loan contract, guarantee contract complex. According to the above definitions, Which of the following are consumer credits:. ['A restaurant allows a customer to credit.', 'A rural credit cooperative issues small loans for farmers to buy cars.', 'An employee advances a housing subsidy for 20 years by signing a contract with the unit for the purchase of a house.', "In the process of asset collection and disposal, the bank advances the debtor's litigation costs, economic disputes, etc."]