消费信贷离我们还有多远

我国的消费信贷政策已出台两年有余，尽管国家在政策上鼓励消费并采取了许多措施支持信贷消费，但由于受居民民入水平和消费信贷使用成本等因素的制约，消费信贷与普通消费者之间仍有一定难以接近的距离。因此，若要拉近消费信贷与普通消费者之间的距离，就必须增加居民收入，降低消费信贷成本，同时还必须进行配套改革，免除消费者的后顾之忧，建立和完善个人信用担保机制。

When will Consumes Credit Come True?

The policy of consumes credit had been made more than two years.The state had taken many measures to encourage people to raise their level of consumption,but even so,for reasons of restricting by the level of national income and use cost of consumes credit and so on,there was still something impenetrable between consumes credit and consumers.Therefore,to reduce the distance between consumes credit and consumers,the state must increase national income and reduce the cost of consumes credit.And meanwhile,the policy of credit guarantees should be reformed and improved to dispel the consumers' misgiving. Key words:consumes credit;national income;cost of credit;policy of guarantees.ion in Singapore into a period of fast expansion. This essay analysed the social and economic background which led to this change and the main reforms and problems in the course of change.