目前 ,在我国个人消费信贷中 ,存在着较严重的信息不对称及由此而产生的逆向选择和道德风险问题 ,阻碍了消费信贷的顺利开展。实证分析表明 ,建立较完善的个人信用制度是解决上述问题的有效途径。因此 ,我们应积极采取措施尽快建立起我国较完备的个人信用制度 ,以改善我国社会信用环境 ,促使消费信贷乃至整个国民经济的快速健康发展 At present, there are more serious information asymmetries and the resulting adverse selection and moral hazard problems in China’s personal consumption credit, hindering the smooth development of consumer credit. Empirical analysis shows that establishing a perfect personal credit system is an effective way to solve the above problems. Therefore, we should take active measures to establish a more complete personal credit system in our country as soon as possible, so as to improve our social credit environment and promote the rapid and healthy development of consumer credit and even the entire national economy