个人消费信贷是指银行向个人客户发放的有指定消费用途的人民币贷款。近几年来,我国的个人消费信贷市场发展较快,但在发展过程中也暴露出许多问题,直接影响到个人消费信贷市场的健康发展。究其原因,笔者认为,个人信用缺失是影响目前个人消费信贷市场发展的关键因素,而信息不对 Personal consumer credit refers to the RMB loans granted by banks to individual customers for specific consumer purposes. In recent years, the personal consumer credit market in our country has developed rapidly, but many problems have also emerged during the course of its development, which directly affects the healthy development of the personal consumer credit market. The reason, I believe that the lack of personal credit is the impact of the current personal consumer credit market, the key factor in the development of the information is wrong