消费信贷作为一项促进消费、扩大内需、刺激经济发展的重要手段,政府、银行、企业对此寄予厚望。但在实际运作中,消费信贷还未真正形成气候,目前还存在着诸多制约消费信贷发展的阻碍因素。推动消费信贷健康有效发展应从以下几方面入手:一是明确消费信贷政策指向性,有针对性地扩 As a major means of promoting consumption, expanding domestic demand and stimulating economic development, consumer credit has high hopes for the government, banks and enterprises. However, in actual operation, the consumer credit has not yet formed a real climate. At present, there are still many obstacles that restrict the development of consumer credit. To promote the healthy and effective development of consumer credit should start from the following aspects: First, a clear consumer credit policy targeted, targeted expansion