Recent years have seen rapid development of individual consumption credit business.

In March 1999, the People s Bank of China issued the "The Guidance of Declaration on Individual Consumption Credit", which promotes in.

Developing the consumption credit has great potential in the respect of promoting consumption and the daily life of citizen, the article advanced the policy option on developing personal consumption credit.

Based on the national policy of enlarging interior demand, the commercial banks continuously develops a series of personal consumption credit operations in recent years to meet the market demands.

On the main issue of individual consumer credit,the thesis analyzes the ultimate reason from the view of consumer, bank, and society.

This paper analyzes the present status of china s personal consumption credit system from the aspects of the existing problems in personal consumption credit,the too harsh consumer credit conditions,unequal opportunities for credit consumption.

This tape analysises environment that the personal automobile consumption credit risk forms and come up with related policies and measures.

This dissertation aim at the character of automobile, and researched on system of personal automobile consumption credit in China, and how to make up a special system of personal automobile consumption credit .