1998年,为应对亚洲金融危机可能对我国经济增长造成的负面影响,中国人民银行出台了以扩大内需为目标的消费信贷政策。这些政策的出台,增加了我国有效需求,拉动了经济增长。实践证明,消费信贷政策是扩大消费、增加有效需求行之有效的手段。因此,总结过去几年我国消费信贷的经验, In 1998, in response to the possible negative impact of the Asian financial crisis on China’s economic growth, the People’s Bank of China promulgated a consumer credit policy aimed at expanding domestic demand. The introduction of these policies has increased our effective demand and stimulated economic growth. Practice has proved that consumer credit policies are an effective means of expanding consumption and increasing effective demand. Therefore, summarizing the experience of China’s consumer credit over the past few years,