1结合美国次级债危机,未雨绸缪地对我国个人消费信贷市场进行反思,这在当前显得尤为重要。美国次级债危机不仅严重地影响到了美国经济,也引发了金融市场的动荡,并被喻为“黑色风暴”。虽然各国央行不断进行注资缓解金融市场出现流动性紧缺的问题,但是危机所带来 1 In light of the crisis of the U.S. subprime mortgage debt, it is particularly important nowadays to reflect on China’s personal consumer credit market in a rainy day. The U.S. subprime crisis not only seriously affected the U.S. economy, but also triggered turmoil in financial markets. It has also been hailed as a “black storm.” Although central banks in various countries continue to inject capital to ease the liquidity shortage in the financial markets, the crisis has brought