本文在对消费力和信贷力理论研究的基础上,创新性地提出信贷消费力分析框架。在此框架下,运用主因子分析法,探讨信贷消费主体、信贷消费客体、信贷消费环境三个方面的主要影响因素,并进而提出加强我国个人信贷市场风险管理的系列对策。 Based on the research on the theory of consumer power and credit, this paper creatively put forward the framework of credit consumption analysis. Under this framework, the author uses principal factor analysis to discuss the main influencing factors of credit consumer, credit consumer and credit consumption environment, and then proposes a series of measures to strengthen the risk management of personal credit market in our country.