信用消费是西方发达国家普遍采用的消费方式 ,消费信贷是当今世界各国促进信用消费的主要形式。发展消费信贷不仅是国家经济发展和经济结构调整的需要 ,而且是商业银行扩展业务空间、扩大业务范围、优化信贷结构的需要 ,更是社会公众提高生活质量和生活水平的需要。我国为了扩大内需 ,启动消费市场 ,促进国民经济的持续发展 ,对消费信贷给予了高度关注。消费信贷已经成为国民经济新的增长点。本文就我国消费信贷改革与发展的基本问题深入开展研究 ,以期提出发展消费信贷的科学对策 ,从而促进我国消费信贷的发展。 Credit consumption is a commonly used method of consumption in the developed western countries. Consumer credit is the main form of promoting credit consumption in all countries of the world today. The development of consumer credit is not only the need of national economic development and economic restructuring, but also the need of commercial banks to expand business space, expand their business scope and optimize the credit structure. It is also the need of the public to raise the quality of life and standard of living. In order to expand domestic demand, start the consumer market and promote the sustained development of the national economy, China has given great attention to consumer credit. Consumer credit has become a new growth point of the national economy. This paper studies the basic problems of the reform and development of consumer credit in our country with a view to proposing scientific measures to develop consumer credit so as to promote the development of consumer credit in our country.