扩大国内需求,特别是消费需求是我国经济发展的基本立足点,而发展消费信贷不失为扩大内需的一条有效途径,扩大内需理论上讲可以从扩大投资需求和消费需求入手。消费需求才是经济增长真正持久的拉动力量。过去一些改革措施出台,改变了消费者的收入预期和支出预期,消费倾向明显减 To expand domestic demand, especially consumer demand, is the basic foothold of China’s economic development. However, the development of consumer credit is an effective way to expand domestic demand. To expand domestic demand, theoretically, we can start with expanding investment demand and consumer demand. Consumer demand is the real lasting driving force for economic growth. The introduction of some reform measures in the past has changed the consumer’s income expectation and expenditure expectation, and the propensity to consume significantly reduced