个人信贷消费是消费者个人利用银行信贷资金购买商品或获得劳务服务的一种消费方式。它是市场经济发展到一定阶段的必然产物 ,在发达国家已有近百年历史 ,成为经济生活中不可缺少的一部分。九十年代初 ,美国持有个人信贷债务的家庭已占７０ % ,香港和一些发达国家商业银行贷款 Personal credit consumption is a form of consumption that consumers personally use bank credit funds to purchase goods or obtain labor services. It is an inevitable result of the development of the market economy to a certain stage. It has been in the developed countries for nearly a hundred years and has become an indispensable part of economic life. In the early 1990s, 70% of U.S. households held personal credit debt, and some commercial banks in developed countries