Abstract: Expectations,which are judgments of individuals about future economic development,have important effects on our consumption credit.Though it is an important measure for enhancing the domestic demands,consumption credit develops very slowly due to the expectations of households.So,the government should make some policies to slove the problem.

Key words: expectation, consumption credit, expected income, expected expenditure

摘要： 预期是个人对未来经济发展情形的一种判断,它对我国消费信贷有着重要的影响。虽然我国近年来为了扩大内需,将消费信贷作为一项重要措施推出,但由于受居民预期因素的作用和影响而发展缓慢。因此,政府应从多方面制定政策以解决预期对我国消费信贷的干扰。

关键词: 预期, 消费信贷, 预期收入, 预期支出