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Although the development of Chinese consumer credit is very fast, the development of consumer credit is not optimistic due to the expectations of residents. There is still a big gap with western countries. The study of the relationship between consumer credit and expected income has important practical significance. This paper first briefly presents the related theories of consumer credit, expected income, and the relationship between consumer credit and expected income, analyzes the growth situations of consumer credit and expected income of Chinese urban residents. Using ADF test, co-integration test and Granger causality test this paper empirically analyzes the relationship between consumer credit and expected income. The results show that the expected income affects the consumer credit. According to the results, some suggestions are put forward, such as increasing the urban residents’ income and innovating consumer credit. Keywords—consumer credit; expected income; adaptive expectation

The Relationship between the Consumer Credit and the Expected Income Based on the Theory of Adaptive Expectation