在扩大消费需求的政策环境下,发展信用消费被认为是刺激消费需求的重要手段。目前,我国已陆续开展了个人住房信贷、汽车消费信贷等工作,2009年,银监会颁布了《消费金融公司试点管理办法》,包括促进信用消费群体、服务 In the policy environment of expanding consumer demand, the development of credit consumption is considered as an important means to stimulate consumer demand. At present, China has successively started work on personal housing credit and automobile consumer credit. In 2009, the CBRC promulgated the Measures for the Pilot Management of Consumer Finance Companies, which includes promoting credit consumer groups and services