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近年来我国的消费信贷市场高速成长，同时，消费信贷市场的风险问题也凸显。本文分析我国消费信贷市场现状与风险防范缺陷，指出了目前我国个人消费信贷的相关法律不健全、个人信用制度不健全、银行自身管理体制薄弱、抵押物变现难度大，费用高等问题。以美国为借鉴，最后提出了对我国消费信贷市场的风险防范及管理的建设意见及对策，重点提出加快个人信用制度法制化建设和完善社会信用综合治理运行机制。

In recent years, China's consumer credit market growed fastly, at the same time, the problem of the risk of consumer credit market emerged. This paper analyzes the present situation and the bug of the risk prevetion of China's consumer credit market , and points out the illness of related laws of personal consumer credit , the ill-conceived system of personal credit,the weakness of the management system of the banks themselves,the difficulty of cash collateral and the high cost,and so on. Learning from the United States,it pionts out some constructive views and solutions to China's consumer credit market risk prevention and management that focus on speeding up the constraction of the rule of law of personal credit system and improving the comprehensive management operation mechani