在国家加大固定资产投资的同时，为扩大内需，拉动经济增长，消费信贷已悄悄走进我们的生活，成为近期大家提及的热门话题，其出现必将改变我国民众的消费心理和消费方式，同时也是对商业银行经营方式的一种挑战和革命。 一、消费信贷的涵义及国内外发展状况 消费信贷，是个人 While increasing national investment in fixed assets, consumer credit has quietly entered our life in order to expand domestic demand and stimulate economic growth. It has become a hot topic recently mentioned, and its appearance will surely change the people’s consumption psychology and consumption pattern in our country , But also a challenge and a revolution in the mode of operation of commercial banks. First, the meaning of consumer credit and the development of domestic and foreign consumer credit, is an individual