我国个人消费信贷的主要障碍和对策

本文从经济学角度，对个人消费信贷业务涉及的银行，消费者，商家，政府行为模式进行理性思考，从收益性和风险性的配比关系角度，分析银行，消费者，商家，政府等相关主体如何在收益性和风险性达到某一合适配比水平时，达成“多赢”局面，形成个人消费信贷业务价值链，从而促进国内个人消费信贷业务发展。

The Major Obstacles to our Country''''s Personal Consumption Credit

In terms of Economics this paper gives a rational reflection on the behavioral model of banks, consumers, businessmen and governments, involving personal consumption credit. Specifically, focusing on the proportional relation between profitability and riskiness, it analyses how to create a multi-gain situation and form the value chain of personal consumption credit when the relation between the profitability and riskiness of the above-mentioned subjects have reached a rational level.