With the warm up of personal consumer credit, the market become more standard and larger. To make sure the safety of the credit when the borrower can't pay off the money, the commercial banks and insurers establish the performance-guarantee insurance together. 随着个人消费贷款的升温,市场更加规范化和规模化,银行和保险公司纷纷联手推出了履约保证保险,以保证在借款人还款不能时银行的信贷资金安全。