消费信贷是商业银行对消费者个人发放的、用于购买耐用消费品或支付其他费用的贷款方式。实践证明消费信贷不仅对扩大消费,带动经济发展有积极的促进作用,而且是改善生活质量、促进经济发展的有效手段。改革开放20多年,我国东部沿海地区经济迅速发展,东西部发展的差距已经成为 Consumer credit is a kind of loan issued by commercial banks to consumers for purchasing durable consumer goods or paying other fees. Practice shows that consumer credit not only plays a positive role in boosting consumption and promoting economic development, but also is an effective measure to improve the quality of life and promote economic development. Over the past 20 years of reform and opening up, the economy in the eastern coastal areas of our country has developed rapidly and the gap between the development of the east and the west has become