一、个人消费信贷是我国经济和金融发展的必然选择当前 ,我国消费品市场已逐步完成从卖方市场向买方市场的转变 ,生产规模和投资规模的约束形式也由短缺经济下的资源供给约束向市场经济下的市场需求约束转变 ,这使得消费需求成为经济增长的最重要的约束力。同时 ,在银行界 ,我? First, personal consumption credit is an inevitable choice for China’s economic and financial development At present, China’s consumer goods market has been gradually completed from the seller’s market to the buyer’s market changes, the scale of production and investment constraints of the form of constraints from the supply of resources under the constraints of the economy to the market Economic market demand constraints change, which makes consumer demand has become the most important economic growth binding. At the same time, in the banking sector, I?