求翻译：第一，汇丰银行积极拓展了消费信贷业务，主要包括两个方面：第一，大力发展个人住房按揭贷款业务。中国近年来经济环境得到了改善，城市居民收入水平提高，越来越到的居民有住房消费的需求，汇丰银行在紧跟经济环境的变化，重点开展了住房信贷业务。第二，大力开发信用卡市场。信用卡在中国的市场潜力是非常大的，同时可以优化银行信贷资产。汇丰银行开发了多功能的信用卡，使得它能够运用到社会的各个阶层，而且要多卡合一，从真正意义上实行一卡通，使信用卡能够逐渐替代现金、支票的使用。是什么意思？

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First, the HSBC actively expand the consumer credit business, mainly includes two aspects: first, to develop individual housing mortgage loan business. China's recent economic environment have been improved, and urban residents' income level will increase, increasing the consumption of the residents

First, the Bank actively expanding its consumer credit business, mainly involves two aspects: first, the development of personal housing mortgage loan business. China's economic situation had improved in recent years, urban residents income levels increase, more and more to the residents of a housin