消费信贷可以把消费函数中的收入 ,从当期收入转化为持久收入或终生收入 ,从而放松消费者的流动性约束 ,对当前消费产生倍加的扩大作用 ,并以此促进经济增长。本文从分析消费信贷对经济的拉动作用入手 ,系统地提出了消费信贷与经济增长和银行效益的关系 ;回顾了我国消费信贷的 Consumer credit can convert income from consumption function from current income into permanent income or lifetime income, thus easing the liquidity constraints of consumers and accelerating the growth of current consumption. Based on the analysis of the stimulating effect of consumer credit on economy, this paper systematically put forward the relationship between consumer credit and economic growth and bank efficiency.