目前使用贷款买房买车及万元级消费品的主要是月收入在5000元以上的高收入者。专家认为,扩大内需,发展消费信贷,固然要刺激高收入人群消费,但更应立足于提高最广大人群的购买能力,帮助他们早日实现消费愿望,并设法减轻他们的承贷负担。 The current use of loans to buy a car and million-level consumer goods is mainly the monthly income of 5,000 yuan in high-income people. Experts believe that to expand domestic demand and develop consumer credit, while stimulating the consumption of high-income people, we should base ourselves on increasing the purchasing power of the overwhelming majority of the population, helping them to fulfill their desire to spend as soon as possible and seeking to reduce their burden of lending.