消费信贷的实质是金融或商业等机构向有一定支付能力的消费者调剂资金余缺的信贷行为和信用关系。消费信贷作为启动我国消费、拉动经济增长的重要举措,并未达到预期的效果。在我国消费信贷活动中,尚存在消费信贷法规位阶偏低,缺乏对消费者权益的有效保护,消费信贷程序繁琐、条件苛刻,赋予公民消费信贷机会不均等,消费信贷风险防范机制不健全等诸多法律障碍。美、英、法等国消费信贷法律制度各有特点,值得借鉴。我国必须加强消费信贷法治建设,明晰完善消费信贷立法的基本思路,加快制定《消费信贷基本法》,科学规范我国消费信贷法调整对象,坚持符合市场经济规律的消费信贷立法原则,完善个人联合征信与消费信贷担保等配套制度。 The essence of consumer credit is the credit behavior and credit relationship between financial institutions and commercial organizations that can adjust the remaining funds for consumers who have a certain ability to pay. As an important measure to start China’s consumption and stimulate economic growth, consumer credit did not achieve the expected results. In China’s consumer credit activities, there are still low levels of consumer credit regulations, the lack of effective protection of consumers’ rights and interests, cumbersome consumer credit procedures, harsh conditions, giving citizens unfair credit opportunities for consumption, consumer credit risk prevention mechanisms are not perfect Many legal obstacles. The legal systems of consumer credit in the United States, Britain and France all have their own characteristics and are worth learning from. China must strengthen the legal construction of consumer credit, clarify and improve the basic idea of ​​consumer credit legislation, speed up the formulation of the “Consumer Credit Law,” scientifically standardize the object of consumer credit law in our country, adhere to the consumer credit legislation consistent with the law of the market economy, and improve the personal credit union And consumer credit guarantees and other supporting systems.