在前些年的全球金融危机爆发之后,我国的对外出口的需求发生了严重的减少,在经济投资这方面面临这整个国内发生过剩的产能,造成了国家的投资产生的收益率大幅度的下降。在20世纪90年代末开始,在我国的国内银行消费信贷展开了飞快的进步。并且近年来居民的平均收入在的不断发生升高,进而就使居民的整体消费对国内的整个经济的增长提供了越来越大的贡献。 After the outbreak of the global financial crisis a few years ago, the demand of our country for export was severely reduced. In the aspect of economic investment, this country faced excess capacity throughout the country, resulting in a sharp drop in the rate of return on investment by the state. . Beginning in the late 1990s, rapid progress was made in the consumer credit of domestic banks in our country. In recent years, the average income of residents has continuously risen, which in turn has made the overall consumption of residents more and more important for the growth of the entire domestic economy.