当前引起消费不振的因素很多，如收入不高，消费倾向偏低，居民的预期收入和支出发生矛盾等等，但这些仅仅是表面现象，进一步分析就会发现体制方面存在缺陷。收入分配政策不合理，分配结构失衡是影响我国消费信贷发展的根本因素其一在计划经济时代，我国长期执行的是高积累、 At present, there are many factors that cause sluggish consumption, such as low income, low propensity to consume, contradictions between residents’ expected income and expenditure, and so on. However, these are only superficial phenomena. Further analysis shows that there are flaws in the system. The unreasonable income distribution policy and unbalanced distribution structure are the fundamental factors that affect the development of China’s consumer credit. First, in the era of planned economy, China’s long-term implementation of high-accumulation,