消费者承贷能力较弱,是制约消费信贷发展的根本原因。根据国外消费信贷发展的经验,居民家庭的承贷能力是决定其是否负债消费的根本性因素。居民家庭承贷能力主要取决于相对于商品价格水平的居民家庭收入水平和金融资产价值。改革开放二十多年来,我国城乡居民收入水平有了很大提 Weaker consumer credit capacity is the fundamental reason for restricting the development of consumer credit. According to the experience of the development of foreign consumer credit, the affordability of the household is the fundamental factor that determines whether or not it is in debt. Households’ ability to afford a loan depends mainly on the household income and the value of financial assets relative to the commodity price level. In the two decades since the reform and opening up, the income level of urban and rural residents in China has been greatly raised