信貸消費作為擴大內需，拉動我國經濟發展的重要舉措，目前存在著消費者對信貸消費缺乏安全感、信貸消費條件苛刻、機會不均等等諸多問題，因而，信貸消費發展并不令人滿意。要消除信貸消費的這些障礙，必須加強信貸消費的法律規范，建立信貸消費之債權讓與制度、個人破產制度、格式合同監管制度、信用評價與監控制度、信貸消費機會均等制度。

熱心網友

Credit spending as a means of expanding internal demand is an important measure in driving the economic development of our country。 General problems faced by consumers in this area are the lack of a sense of security towards credit spending, very strict conditions on credit spending and the in-equality in opportunities。 As a result, the development of credit spending has not been satisfactory。 In order to eliminate these impediments on credit spending, it is necessary to strengthen the overall legal framework concerning credit spending, to establish a system for transferring rights of debts, a system of individual backruptcy, a system for monitoring standard contracts, a system for credit rating and control and also a system of equal opportunity on spending。 。

熱心網友

Credit spending as a means of expanding internal demand is an important measure in driving the economic development of our country。 General problems faced by consumers in this area are the lack of a sense of security towards credit spending, very strict conditions on credit spending and the in-equality in opportunities。 As a result the development of credit spending has not been satisfactory。 In order to eliminate these impediments on credit spending, it is necessary to strengthen the overall legal framework concerning credit spending, to establish a system for transferring rights of debts, a system of individual backruptcy, a system for monitoring standard contracts, a system for credit rating and control and also a system of equal opportunity on spending。