一、现行条件下拓展消费信贷的有利条件和意义所谓消费信贷,就是金融机构为满足消费者购买商品或劳务需求而发放的贷款,实质上是银行对消费者未来的消费需求所提供的一种超前信贷支持,对于消费者而言则是预期收入的提前消费,也是市场经济条件下利用信贷手段扩大内需、促进经济发展的重要方式。当前,在我国拓展消费信贷有着诸 First, the favorable conditions and significance of developing consumer credit under the current conditions The so-called consumer credit refers to the loans that financial institutions issue to meet the demand of consumers for purchasing goods or services. In essence, it is a kind of loan provided by banks to consumers in the future for their consumption needs Advanced credit support is an early consumption of expected income for consumers and is also an important way to expand domestic demand and promote economic development by means of credit under market economy. At present, there are many ways to expand consumer credit in our country