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刺激消费， 扩大内需，拉动经济，确保８ ％ 的增长速度，是当前我国经济生活中极为重要的一个问题。该文从国外消费信贷发展及现状、我国发展消费信贷的必要性、上海发展消费信贷充分性三个方面较为深入、全面地论述了其在经济生活中的意义和作用。作者还以浦东的住房和汽车信贷为例， 得出浦东消费信贷大有可为的结论，具有一定的参考价值。
To stimulate consumption, expand domestic demand, stimulate the economy and ensure an 8% growth rate is an extremely important issue in our current economic life. This article discusses in depth and comprehensively the significance and function of economic credit from three aspects: the development and status quo of foreign consumer credit, the necessity of developing consumer credit in our country and the adequacy of consumer credit development in Shanghai. The author also takes Pudong’s housing and auto credit as an example, concludes that Pudong’s consumer credit is promising, and has certain reference value.