90年代日本经济衰退 ,消费不足 ,刺激消费成为日本消费调控的首要目标。为此 ,日本政府采取了增加财政预算支出、减税、降低利率及大力发展消费信贷等措施。日本的经验表明 ,发展消费信贷是刺激消费的一个重要杠杆 Japan’s economic recession in the 1990s, lack of consumption, stimulate consumption has become Japan’s primary goal of consumer regulation. To this end, the Japanese government has taken measures such as increasing budget expenditures, tax cuts, lowering interest rates and vigorously developing consumer credit. Japan’s experience shows that the development of consumer credit is an important lever for stimulating consumption