以消费信贷为手段，积极扩大内需，是解决市场疲软，启动经济增长的有效途径。当 前，城乡消费信贷业务发展较快，所有的商业银行都已开办消费信贷业务；消费信贷数额 上升，品种增多。消费信贷虽然发展较快，但从我国经济发展现状和社会需求各方面进行 分析，仍有很大潜力，从这点说，分析发展消费信贷的制约因素，很有必要。 Taking consumer credit as a means to actively expand domestic demand is an effective way to solve the market weakness and start economic growth. At present, the consumer credit business in urban and rural areas has developed rapidly. All commercial banks have started consumer credit businesses. The amount of consumer credit has risen and varieties have increased. Although consumer credit has developed rapidly, it still has great potential to analyze from the aspects of economic development status and social needs in our country. From this point of view, it is necessary to analyze and restrict the development of consumer credit.