利用消费信贷促进经济发展

我国社会主义市场经济发展中，不但有消费信贷存在和发展的必然性和必要性，同时也存在巨大的发展空间。我国现有的消费信贷规模尚小，作用未能充分发挥，是因为观念、收入、制度与管理多因索制约，因此，必须转变观念、增加收入、完善制度、改善信贷，以实现消费信贷和经济发展的良性循环。

On Making Use of Consumption Credit to Bring about an Advance in Economy

In the development of socialist market economy in our country, not only inevitability and necessity but also a vast expanding space is present in the existence and development of consumption credit. The rather small scale of consumption credit in our country is restricted by multiple factors, such as ideas, income, system, and management. Therefore, all the change of ideas, the increase of income, the perfectness of system and the improvement of credit are the necessity of realizing a virtuous circle in the consumption credit and the development of `economy.