不少发达国家的历程表明,当一个国家经济和社会生产力发展到一定水平,就必然对消费信贷提出要求。而我国目前的消费结构正在转型,相当多的老百姓不再为吃穿用发愁,他们已经把目光转向住和行。种种迹象表明:大 The course of many developed countries shows that when a country’s economic and social productive forces have reached a certain level, it will naturally demand consumer credit. However, the current consumption structure in our country is undergoing transformation. Quite a number of ordinary people are no longer worried about eating and wearing. They have already turned their attention to live and work. There are indications: big