消费信用是货币信用关系发展到一定水平时缓解生产与消费之间矛盾的产物，是使消费增长速度适应生产增长速度的金融服务产品，部分有稳定偿还能力的消费者利用消费信贷提前消费与部分消费者积极储蓄而推迟消费并存，是市场经济发展的客观要求。目前我国居民储蓄率之高居世界前 Consumption credit is the product of alleviating the contradiction between production and consumption when the monetary and credit relationship develops to a certain level. It is a financial service product that adapts the growth rate of consumption to the growth rate of production. Some consumers with stable repayment ability use consumption credit ahead of consumption and part Active savings of consumers and the coexistence of postponement of consumption are the objective requirements of the market economy. At present, the highest rate of household savings in the world