我国消费信贷发展研究

本文是对我国消费信贷发展的探索。文章从居民收入水平、消费断层、居民消费行为、制度安排以及消费观念与政策五个方面分析了目前制约我国消费信贷发展的主要因素，并结合经济金融发展的实际，针对性地提出改善消费环境、理顺管理体制、研究消费热点、做好制度安排和加强信用法制建设五个方面的发展策略，阐明了建设有中国特色的消费信贷体系需要政府、银行和居民等有关各方的共同努力，才能保证健康、顺利地发展。

On the consumption credit development in China

The essay,about the consumption credit development in China,analyses the main factors nowadays which restrict the consumption credit development in China from the residents income level,the comsumption gaps,the residential consumption behaviors,the institution arrangement and the consumption concepts as well as the policies,meanwhile the author here brings forward,in combination with the practical requirement in the economy and finance development ,the development strategy for the promotion of consumption environment,the regulation of management system,the research of the consumption hotspots,the perfection of the institution arrangement and the enforcement of the credit legal system and illustrates the requirement of multi-efforts from the government ,the banks,the residents and all other fields to set up a consumption credit system with China characteristic for a healthy,smooth development.