消费信贷在我国还是一个新事物,很多问题亟待研究。本文第一部分论述消费信贷效应问题,第二部分为解决个人消费信贷风险和还款保障问题提供思路。一、消费信贷的宏微观效应分析消费信贷是一种负储蓄,即把一部分储蓄再转化为消费基金。如果说储蓄转化为投资是储蓄走向的顺流的话 Consumer credit in our country is still a new thing, many problems need to be studied urgently. The first part of this article discusses the issue of consumer credit effects, the second part provides ideas for solving the personal consumer credit risk and repayment guarantee issues. First, the macro-micro effect of consumer credit analysis Consumer credit is a negative savings, that is, part of the savings and then converted into consumer funds. If saving is converted into investment, the flow of savings is flowing downstream