在目前的经济形势下,大力发展消费信贷是十分必要的。首先,国内消费市场疲软迫切需要发展消费信贷。近几年来,我国消费品市场一直萎靡不振。导致这种疲软的主要原因是由于这两年我国加大了改革力度,持续推行了住房制度改革、医疗制度改革、退休制度改革等众多改革措施,再加上国有企业职工普遍面临的下岗失业等 Under the current economic situation, it is very necessary to vigorously develop consumer credit. First, the weak domestic consumer market urgently needs to develop consumer credit. In recent years, China’s consumer goods market has been malaise. The main reason for this weakness is that many reform measures such as the reform of the housing system, the reform of the medical system, and the retirement system have been continuously implemented since China stepped up its reforms in the past two years. Coupled with the widespread unemployment and other unemployment faced by workers in state-owned enterprises