本文从我国商业银行消费信贷的现状入手,分析了制约我国消费信贷发展的基本因素,并据此从借鉴国外经验推进经济制度改革、转变经营观念增加消费信贷品种、防范信贷风险构建个人信用体系、加强人员培训提高信贷业务水平几个方面提出了发展消费信贷的基本对策。 Based on the present situation of consumer credit in commercial banks in our country, the paper analyzes the basic factors that restrict the development of consumer credit in our country, and based on this, advances the reform of economic system from the experience of other countries, changes the concept of operation, increases the types of consumer credit, prevents credit risks and builds personal credit system, Strengthen personnel training and improve the level of credit business several aspects of the development of consumer credit the basic countermeasures.