急求!论文摘要的英文翻译

纯手工操作 楼主明察！ 我有高级口译证书，质量有把握 ：）

As a widely accepted consumption form, credit consumption in China has just entered its initial stage. However, due to Chinese traditional consumption notion of “keep ends meet”, many Chinese consumers bear “zero credit” records of credit consumption. Despite the cautious attitude people hold towards credit consumption, a considerable proportion of consumers have broken their “zero credit” records, showing the gradual change of the notion.
As a crucial measure to expand domestic demand and to stimulate economic development, credit consumption still suffers from problems including consumers’ lack of security, strict requirements and unequal opportunities.
Therefore its status quo is not that desirable.
In order to resolve the problems, efforts must be made to enhance the relevant laws and regulations and to establish and improve the system of credit assignment, personal bankruptcy system, format contract supervision system, credit evaluation and supervision system, credit consumption opportunity equalization system, etc. Beyond that, a favorable social and legal environment featuring improved service of risk analyse and identification is indispensable for financial institutions and business establishments in both urban and rural areas to expand credit consumption transaction.
On that basis, we are sure to find new ways to promote the steady development of credit consumption of China

Consumer credit as a form of consumption in China has just started, but has already very popular abroad. In China, the "pay-as-you-go" concept of consumption was very popular, so many Chinese are still "zero" record. Although people's ideas are changing, credit has a great number of people break their "zero", but most people still on loan consumption cautious attitude. Credit consumption as expanding domestic demand, pull the economic development of China, there is an important measure of consumer credit consumption insecurity, credit consumption conditions, and unequal opportunity demanding, problems, therefore, the development of credit consumption is not satisfactory. To eliminate these obstacles, the credit consumption credit must strengthen consumption of laws and regulations and establish credit consumption of creditor's rights transfer system, personal bankruptcy system, format contract supervision system, credit evaluation system, credit and monitoring system of equal opportunity for consumption. To strengthen the consumer credit risk analysis and identification, urban and rural financial institutions and relevant business enterprise expanding consumer credit business, expanding domestic demand, and to create a good social environment and the legal environment, and to promote Chinese consumer credit for a stable development.

消费信贷作为一种消费形式在我国虽然刚刚起步，但在国外却早已非常流行了。在我国,“量入为出”的消费观念十分盛行，所以，许多中国人都还是“零信用”记录。尽管人们的信用观念正在发生变化、已有相当一部分人突破了自己的“零信用”记录，但是，大多数人仍然对贷款消费持谨慎态度。信贷消费作为扩大内需，拉动我国经济发展的重要举措，目前存在着消费者对信贷消费缺乏安全感、信贷消费条件苛刻、机会不均等等诸多问题，因而，信贷消费发展并不令人满意。要消除信贷消费的这些障碍，必须加强信贷消费的法律规范，建立信贷消费之债权让与制度、个人破产制度、格式合同监管制度、信用评价与监控制度、信贷消费机会均等制度。加强对消费信贷风险的分析与识别，为城乡金融机构和有关商业企业拓展消费信贷业务，扩大国内消费需求，创造良好的社会氛围与法制环境，并寻找出促进我国消费信贷稳健发展的途径。