制约我国消费信用发展的阻碍因素及其对策

消费信用是现代信用的一种重要形式，对我国目前启动消费、扩大内需、刺激经济的发展意义重大，而要使消费信用在我国真正形成气候，还有一定难度。要促进我国消费信用的发展，必须明确消费信用政策的指向性，培植多类型、多层次的消费信用体系，逐步建立个人信用制度；必须在政府的积极参与下，搞好配套改革，创造良好的消费信用环境。

Strategies to the Factors That Restrict the Development of Consumption Credit

Consumption credit,an important form of the modern credit,plays a significant role in starting up consumption,expanding domestic needs and stimulating the development of economy.However,there is still a long way to go to popularize the consumption credit in China.We should first ascertain the direction of the consumption credit policy,cultivate a multi-type and multi-level consumption credit system so as to establish a personal credit system gradually.And with the participation of the government,we must carry out a series of complementary reforms to create a favourable environment for consumption credit.