消费信贷作为推动信用消费的主导业务虽然在国外开展已经很久 ,但在我国还处于起步阶段。本文较为全面的分析了消费信贷在我国的广泛开展尚且存在的制约因素 ,并且提出了一些相应积极的应对策略。相信对于现阶段的我国商业银行的现代化经营管理有一定的借鉴 As the leading business of promoting credit consumption, consumer credit has been in foreign countries for a long time, but it is still in its infancy in our country. This article analyzes the restrictive factors of the extensive development of consumer credit in our country, and puts forward some corresponding coping strategies. I believe for the current stage of our country’s commercial bank management has some reference