消费信贷作为扩大内需,促进经济发展的重要举措,对国民经济的增长具有重要的推动作用。消费信贷的产生和发展,与经济发展水平密切相关,有其自身的发展规律。微观上,是消费水平发展到一定阶段,消费者合理安排跨期消费水平的必然选择;宏观上,是经济发展到一定时期,从卖方市场走向 As an important measure to expand domestic demand and promote economic development, consumer credit plays an important role in promoting the growth of the national economy. The generation and development of consumer credit are closely related to the level of economic development and have their own laws of development. At the micro level, it is an inevitable choice for consumers to arrange a certain level of intertemporal consumption when the consumption level develops to a certain stage. On the macro level, it is a period of economic development to a certain period from the seller’s market