开展消费信贷是我国目前扩大内需、推动经济增长的有效举措之一。但由于信息不对称的存在,影响了我国消 费信贷的发展。本文运用博弈理论分析信息不对称对我国消费信贷发展的影响,提出增强消费者预期支付能力,建立和完善 个人信用制度,建立和完善消费信贷的法律体系等对策措施。 Carrying out consumer credit is one of the effective measures for expanding domestic demand and promoting economic growth in our country. However, due to the existence of information asymmetry, the development of consumer credit in our country is affected. This paper uses game theory to analyze the impact of asymmetric information on the development of consumer credit in China and puts forward countermeasures such as strengthening the consumer’s expected ability to pay, establishing and perfecting the personal credit system and establishing and improving the consumer credit system.