消费者信用是指消费者以对未来偿付的承诺为条件的商品或劳务的交易关系。事实上，消费者信用作为市场经济中的交易工具已经有很长的历史了。二战以后，科技突飞猛进，生产力大幅提高。为了推销商品，商人设计出许多创新推销方式，诸如分期付款、赊购证、信用卡等。消费者信用的出现扩大了市场的规模并使消费者可以提前享受到他们所要的东西。
消费者信用管理 consumer credit management
消费者信用保护法 Consumer Credit Protection Act
消费者信用保险 consumer credit insurance
消费者信用或个人信用 Consumer Credit or Personal Credit
中国消费者用药信息 CCMI
统一消费者信用准则 UCCC ; UniformConsumerCreditCode
消费者信用卡 DCMX mini
消费者信用资讯业协会 ACCIS
消费者用药信息 CCMI ; Customer Medicine Information ; Consumer Medicine Information
正如消费者信用报道一样，信用文件和商业评估报告也一样重要。
As with consumer credit reports, the depth of the credit file is equally important in evaluating the business reports.
仅在宏观层面上对金融机构的监管是不够的，微观上消费者信用和产品营销同时需要得到监管。
It is not enough to regulate financial institutions at a macro-level. Micro consumer credit has to be regulated as well, along with product marketing.
但是在大力发展消费者信用的同时，未认识到消费者信用制度的构建与完善才是促进消费者信用的关键。
But developing consumer credit energetically, we have not known how to build consumer credit system is important to promote consumer credit really.
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