消费信贷发展等因素对消费水平提高具有积极推动作用。在当前全球金融危机影响下,促进我国消费增长是应对国际金融危机不利影响的关键举措。在欠发达地区的海南省,消费信贷业务的增长对改善居民消费水平、改善银行资产结构和财务状况方面,发挥了重要作用。但是,在海南省消费信贷业务的发展中仍存在一些制约因素,需要我们给予进一步的关注和解决。 Consumer credit development and other factors have a positive role in promoting the level of consumption. Under the current global financial crisis, promoting China’s consumption growth is a key measure to deal with the adverse effects of the international financial crisis. In Hainan Province, an underdeveloped region, the growth of consumer credit business has played an important role in improving household consumption levels and improving the bank’s asset structure and financial position. However, there are still some constraints in the development of consumer credit business in Hainan Province, and we need further attention and resolution.