信贷消费作为扩大内需，拉动我国经济发展的重要举措，目前存在着消费者对信贷消费缺乏安全感、信贷消费条件苛刻、机会不均等等诸多问题，因而，信贷消费发展并不令人满意。要消除信贷消费的这些障碍，必须加强信贷消费的法律规范，建立信贷消费之债权让与制度、个人破产制度、格式合同监管制度、信用评价与监控制度、信贷消费机会均等制度。

Credit spending as a means of expanding internal demand is an important measure in driving the economic development of our country. General problems faced by consumers in this area are the lack of a sense of security towards credit spending, very strict conditions on credit spending and the in-equality in opportunities. As a result, the development of credit spending has not been satisfactory. In order to eliminate these impediments on credit spending, it is necessary to strengthen the overall legal framework concerning credit spending, to establish a system for transferring rights of debts, a system of individual backruptcy, a system for monitoring standard contracts, a system for credit rating and control and also a system of equal opportunity on spending.