改革与完善我国现行消费信贷制度的几点思考

在我国，消费信贷发展缓慢，其原因是：消费者承贷能力较弱；消费信贷操作不够规范；缺乏消费信贷的防范机制和完善的社会保障制度。若扩大消费信贷就必须营造有利于消费信贷发展的法制环境，并借鉴西方发达国家经验。

An Anaiysis of the Sluggish Development of Consumer Credit and the Corresponding Solutions to Foster Its Development

The main obstacles that impede the development of conumer credit in China can be attributed to:the frail debt-bearing capacity of consumer ;the lack of standardization and regulation of the consumer credit operation ;the insufficient risk prevention mechanism in consumer credit,efforts should be given to the cultivation of the favorable legislation environment to maintain its sound development,increasing income of residents and learning advanced experience from developed counties in this area