我国消费信贷发展的基本情况1998年以来,我国消费信贷发展迅速,成效显著,为促进消费、扩大内需以及提高人们消费水平发挥了重要作用。消费信贷不仅刺激了消费需求,更重要的是促进了商品销售,并成为国家对消费市场实施选择性调控的重要手段。截至2006年4月末,我国消费信贷余额为 The Basic Situation of Consumer Credit Development in China Since 1998, consumer credit in our country has been developing rapidly with remarkable achievements. It has played an important role in promoting consumption, expanding domestic demand and raising the level of people’s consumption. Consumer credit has not only stimulated consumer demand, but more importantly promoted the sale of goods, and has become an important means for the state to selectively regulate the consumer market. As of the end of April 2006, the balance of consumer credit in our country was