【摘要】 在我国现阶段发展消费信贷中尚存在一些问题，如商家、政府的信用危机及个人信用制度缺乏、贫富分化日趋明显等，据此必须探讨解决这些问题的途径，建立起配套的信用消费制度，解决居民收入增长及贫富分化问题，适时发展多种形式的消费信贷等方法，从而使信用消费成为推动经济发展强大力量。更多还原

【Abstract】 This thesis focuses on the main problems in the development of consumption credit at present, such as the credit crisis of businesses and government, the lack of individual credit system, the obvious division between the poor and the rich etc. ,and puts forward the ways of setting up the matching consumptio credit system, in creasig individuals income and developing a variety of consumption credit thus makes credit consumption the motive force to promote ecenomic development.更多还原