构建我国消费信贷制度框架的必要性　　近年来，由于国内外形势的变化，消费信贷已成为我国经济领域的热点问题之一。消费信贷对扩大内需、保持国民经济持续稳定增长的意义是不言而喻的。为此，政府陆续出台了一系列促进消费信贷的政策措施，旨在将消费信贷作为新的经济增长点 The Necessity of Establishing the Framework of China’s Consumer Credit System In recent years, consumer credit has become one of the hot issues in China’s economy due to the changes in the domestic and international situations. The significance of consumer credit for expanding domestic demand and maintaining sustained and steady growth of the national economy is self-evident. To this end, the government successively promulgated a series of policies and measures to promote consumer credit aimed at using consumer credit as a new economic growth point