大力发展消费信贷有利于推动生产、促进消费、扩大内需 ;有利于银行调整信贷结构、提高信贷资产质量 ;有利于国民经济持续、快速、健康发展。本文论述了当前我国发展消费信贷的必要性 ,分析了消费信贷业务中存在的问题和原因 ,提出了今后发展消费信贷业务的对策和建议 Vigorously developing consumer credit is conducive to promoting production, promoting consumption and expanding domestic demand; it is good for banks to adjust their credit structure and improve the quality of credit assets; and it is conducive to the sustained, rapid and healthy development of the national economy. This paper discusses the necessity of developing consumer credit in our country, analyzes the existing problems and reasons in the consumer credit business and puts forward the countermeasures and suggestions for developing consumer credit business in the future