国际金融危机的大背景下,我国开始大力挖掘国内的消费需求,希望以此来填补由于出口减少造成的经济发展速度下降问题。但由于诸多原因,我国消费始终处于低端,信贷消费更是处于落后地位。本文从我国信贷消费发展的开端,发展过程中的问题出发,提出了相应的对策。 Under the background of the international financial crisis, our country began to vigorously tap the domestic consumer demand in the hope of filling the problem of the slowdown in economic growth caused by the decrease in exports. However, for many reasons, China’s consumption has always been at a low level, and credit consumption is even more backward. This article starts from the beginning of the development of credit consumption in our country and puts forward corresponding countermeasures.