当前发展消费信贷存在诸多制约因素，一是商业银行营销消费信贷的市场定位不准，没有抓住对消费信贷认知程度较高的中产阶级和青年群体。二是消费信贷品种设计比较单一，还满足不了这个活跃的消费群体多层次的消费需求。三是信贷条件过于苛刻，限制了消费信贷的推广。四是手续? The current development of consumer credit there are many constraints, one commercial bank marketing consumer credit market positioning is not allowed, did not grasp the higher level of consumer credit awareness of the middle class and young people. Second, the design of consumer credit varieties is relatively simple, but also can not meet the active consumer groups at many levels of consumer demand. Third, credit conditions are too harsh, limiting the promotion of consumer credit. Fourth, procedures?