我国信用消费发展缓慢原因分析及对策思考

信用消费制度在某些地区和某些产品中尚未形成气候,究其原因,主要是因为我国信用消费在实施过程中存在四个方面的制约因素:信用消费环境差、信用消费风险大、尚未建立完善的个人信用制度、有关的法律和法规不健全。为尽快发展信用消费,作者提出如下对策思考:（1）加强宏观调控,改善信用消费环境;（2）建立和完善个人信用制度;（3）实现信用消费与担保、保险有机结合;（4）加强和完善信用消费的法律、政策环境。

The Analysis and Countermeasures of the Slow Credit Consumption in China

Credit consumption has not become the main consumption way now, and it is caused by four factors: the poor circumstance for credit consumption; the risk of using credit; the imperfect individual credit consumption system; and the lack of regulations to develop credit consumption. In order to develop credit consumption as quick as possible, the author provides the following countermeasures : (1) to perfect the circumstance of credit comsumption in the macroscopical way; (2) to build and perfect individual credit consumption system; (3) to combine the redit consumption, guarantee and insurance properly; (4) to establish the detailed laws of credit consupmtion.