一、国外汽车信贷消费助推国民经济发展信贷消费是一种建立在消费信贷基础上的消费方式。消费信贷是零售商、金融机构等贷款提供者向消费者发放的主要用于购买最终商品和服务的贷款，是一种以刺激消费、扩大商品销售、加速商品周转为目的，用未来收入做担保，以特定商品为对象 First, the foreign auto loan consumer boost national economic development Credit consumption is based on consumer credit on the basis of consumption patterns. Consumer credit is a loan mainly provided by the loan providers such as retailers and financial institutions to consumers for purchasing final goods and services. It is a guarantee for future consumption with the purpose of stimulating consumption, expanding sales of goods, and accelerating the turnover of goods , For a specific product as the object