Four years after the experimental work, Consumer Finance Company has a smooth and sophisticate op- eration and its business scale expansion; The pilot project companies have realized gain. By virtue of their own advan- tages and characteristics, Consumer Finance Companies have played a very good role out of the traditional bank con- sumer credit business. Basing on introducing the development of our country' s Consumer Finance Companies, this pa- per analyzes the current inclusion characteristic, the management situation and difficulties facin...