近年来 ,我国为扩大内需 ,将消费信贷作为一项重要措施推出。根据当前我国消费信贷的现状 ,从银行角度分析了制约银行消费信贷发放的重要因素———即在发放信贷的过程中会遭遇或可能会遭遇到的各类风险 ,同时提出了减轻银行信贷风险的各种对策 In recent years, China has introduced consumer credit as an important measure to expand domestic demand. According to the current situation of consumer credit in our country, this paper analyzes the important factors restricting the issuance of bank consumer credit from the point of view of the bank - that is, all kinds of risks encountered or may be encountered in the process of issuing credit, meanwhile, Various countermeasures