发展消费信贷的障碍与对策

Barriers in Developing the Consumer Credit and the Countermeasures Concerned

消费信贷是促使生产和消费循环畅通的一个重要手段，但在现实中，它的发展举步维艰。本文从文化心理、经济预期、消费结构、承贷能力、金融措施、风险防范、商品市场、法律保障等八个方面进行分析，以探寻问题解决的途径。

Consumer loan is an important means to promote production and give impetus to consumption, but it is rather difficult to develop coasumer loan. In order to find solutions, the author analyses psychology, economy,budget, consuming structure, ability to pay loans, finacial measures against risk,. commodity market and the law concerned.