一、当前制约消费信贷发展的原因（一）传统消费观念和习惯是制约消费信贷的观念障碍。虽然我国的居民储蓄率在世界上长期名列前茅，但广大居民长期形成了量入为出的习惯，同时还存在‘无债一身轻”和“积谷防饥”的传统思想观念，要让人们从观念上普遍接受“寅吃卯粮”的信贷 First, the current constraints on the development of consumer credit reasons (a) the traditional concept of consumption and habits are restricting consumer credit concept barriers. Although China’s household savings rate ranks among the best in the world for a long period of time, the majority of residents have long formed a habit of making ends meet, and at the same time, they have the traditional notion of “debt-free one” and “anti-hunger” Accept “Yin eat grain” credit