帮忙翻译一下以下段落~~谢谢

Question

随着市场经济的不断发展，个人收入的不断增加，消费贷款以其熟悉的形象走进了我们的视野、生活。它不仅提高了人们的生活质量，也使政府扩大总需求的政策从投资领域向消费领域转变得以实现。从某种意义上讲，它的发展与一国的宏观经济政策、金融体系的开放和市场化程度以及地区经济的发展模式有着密切的联系，其对一国总需求的增加、金融机构之间的竞争、地区经济的繁荣都起着至关重要的作用。因此，推进我国消费信贷的发展势在必行。本文通过比较西方国家的消费信贷的法律环境，分析思考制约我国消费贷款发展的因素，结合我国的具体国情提出发展消费贷款的具体思路。

Answer 1

With the continuous development of market economy, the continuous increase in personal income, consumer loans went into its familiar image of our vision and life. It will not only improve people's quality of life, so that the Government's policy to expand aggregate demand from the area of investment to consumption changes can be realized. In a sense, its development and a country's macroeconomic policies, financial system, opening up and market-oriented and regional economic development patterns are closely linked, on a country's total demand increases, financial institutions The competition, the region's economic prosperity and plays an important role. Therefore, promoting the development of China's consumer credit is imperative. By comparison Western countries of consumer credit to the legal environment, analytical thinking constraining the development of China's consumer loans, with China's specific national conditions to the development of specific ideas of consumer loans.