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.
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