居民对各类物质消费品的总购买力的持续增长和需求结构的不断完善，是维系国民经济持续发展最根本的动力。在买方市场的条件下，若不启动消费需求，增加生产只能增加库存而不能发展经济。开拓消费信贷以扩大消费需求，拉动经济增长，至关重要。当前，制约消费信贷发展有以下几 The continuous growth of the total purchasing power of various types of material goods and the constant improvement of the demand structure are the most fundamental motivation for sustaining the sustained development of the national economy. Under the conditions of the buyer’s market, if consumer demand is not started, increasing production can only increase the stock and fail to develop the economy. To develop consumer credit in order to expand consumer demand and stimulate economic growth is crucial. At present, the development of consumer credit constraints are as follows