Consumer credit started late in Chin a,which still remains in primary sta ge and is restricted by consumer concept,redit,loan terms and forma lities,risk precaution system,social security system,level of income and the other elements.

• 我国消费信贷发展起步较晚,尚处于初级阶段,受到消费观念、信用、贷款条件及手续、风险防范机制、社会保障制度、收入水平等多方面因素的制约。