消费信贷在当今世界各国已广泛流行 ,在我国直到 2 0世纪 80年代才开始起步 ,但力度不大 ,许多消费领域都未曾涉足。 1 998年以来 ,我国实行扩大内需 ,启动消费市场的政策 ,商业银行消费信贷业务才有了较快的发展。 1 998年房改政策的出台 ,标志着我国住房消费信贷的真正起步。 Consumer credit has become very popular in all countries of the world today. It was not until the 1980s in our country that the consumer credit service started its business. However, it did not work hard and many areas of consumption were not involved. Since 1998, China has adopted a policy of expanding domestic demand and starting up the consumer market. Commercial credit spending has enjoyed rapid development. The promulgation of the housing reform policy in 1998 marked the real start of China’s housing consumer credit.