消费信贷中,消费信贷交易的过程往往通过合同的形式体现出来,所以,消费信贷合同的研究尤为重要。消费信贷合同应与消费借贷、消费借款、消费信用等合同加以区分。而何为消费信贷合同,消费信贷合同有哪些法律特征,这些是研究消费信贷合同所首先必须澄清的问题。 Consumer credit, the process of consumer credit transactions are often reflected in the form of the contract, so the study of consumer credit contracts is particularly important. Consumer credit contracts should be distinguished from consumer loans, consumer loans and consumer credit contracts. What are the legal characteristics of consumer credit contracts and consumer credit contracts, which are the first issues that must be clarified when studying consumer credit contracts.