消费信贷业在我国经济发展中发挥着越来越重要的作用。尽管近年来我国的消费信贷业务有所发展,但业务类型及服务方式仍比较单一。由于个人信用制度和信用监督体系不健全、信贷机构经营管理机构的缺陷、相关法律法规不健全、社会保障制度不完善等原因,使其在操作上存在多方面风险。因此,要从信用体系、内部风险管理体系、法律体系、社会保障制度等方面探讨如何应对面临的风险及对策。 Consumer credit industry plays an increasingly important role in the economic development of our country. Although China’s consumer credit business has developed in recent years, its business types and service methods are still relatively simple. Due to the personal credit system and credit supervision system is not perfect, the deficiencies of the credit management agencies, the relevant laws and regulations is not perfect, the social security system is not perfect and other reasons, so that there are many risks in its operation. Therefore, it is necessary to discuss how to deal with the risks and countermeasures from the aspects of credit system, internal risk management system, legal system and social security system.