长期以来，我国在经济增长上，只重投资需求，忽视国民消费需求对经济发展过程中的推进作用。这种“重生产、轻消费”的观念最终导致受生产信贷支持的生产力扩张、受消费信贷约束的购买力相对疲软，这一矛盾阻碍社会再生产的顺利进行。启动消费信贷的政策，就是利用信贷手段激 For a long time, our country has only emphasized the investment demand on economic growth and ignored the promotion role of the national consumption demand in the economic development. This concept of “re-production and light consumption” eventually leads to the expansion of productive forces supported by production credit. The purchasing power constrained by consumer credit is relatively weak. This contradiction hinders the smooth progress of social reproduction. The policy of starting consumer credit is to use credit facilities to stimulate