建国以来由于受计划经济体制的约束，我国居民与国家银行的关系一直停留在单纯的储蓄关系层面上，直到８０年代末期，我国消费信贷才算开始起步，但真正提出消费信贷已是１９９８年的事。１９９８年在国家扩大内需、启动消费市场的政策鼓励下，商业银行消费信贷业务才有迅速的 Since the founding of the People’s Republic of China, due to the restraint of the planned economy, the relations between residents and state banks in our country have always remained at the simple level of saving relations. Only by the late 1980s was the consumer credit in our country starting to be started. However, consumer credit was really proposed in 1998 thing. Encouraged by the policy of the State in expanding domestic demand and starting up the consumer market in 1998, the consumer credit business of commercial banks is rapid