一、消费信贷的定义以及在我国开展的情况消费信贷是由银行以货币形态或契约形式发放给客户用于消费的信用与贷款。这种信用与贷款只能用于消费品、劳务以及其他费用,而不能用于投资、偿还债务等方面的金融应用。消费信贷从20世纪初叶由发达国家兴起,在21 First, the definition of consumer credit and the situation in our country Consumer credit is issued by the bank in the form of money or contract to customers for consumer credit and loans. Such credits and loans can only be used for consumer goods, services and other expenses, but not for financial applications such as investment and debt repayment. Consumer credit emerged from developed countries from the early 20th century at 21