本文首先简单介绍了所谓的消费信贷的概念、特点以及种类,然后从我国当前消费信贷的现状出发,结合国家改革开放以来经济的发展趋势,阐述了消费信贷的宏观环境对经济的影响,进而升华了消费信贷对经济增长的意义。 This article first briefly introduces the concept, characteristics and types of so-called consumer credit. Based on the current status of consumer credit in our country and the economic development trend since the reform and opening up of our country, this paper expounds the impact of the macro environment of consumer credit on the economy and further sublimation The significance of consumer credit to economic growth.