消费信贷在我国尚处于起步阶段,近年来虽然发展势头迅猛,但其业务的开展也存在着各方面的问题和不足。应从完善法律制度,建立信用评价体系和创建信贷资料数据库,结合保险制度,消费贷款证券化,完善抵押品二级市场等五个方面来进一步促进我国消费信贷业务的开展。 Consumer credit is still in its infancy in our country. In spite of the rapid development in recent years, there are also various problems and deficiencies in its business development. The consumer credit business should be further promoted in five aspects: perfecting the legal system, establishing a credit rating system and creating a database of credit information, combining with the insurance system, the securitization of consumer loans and the secondary market for collateral.