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尽管中国人民银行逐步放宽了对消费信贷业务的限制,尽管今年3月初中国人民银行发布的《关于开展个人消费信贷指导意见》把有关住房、汽车消费贷款的首期支付比例由30%降到20%,但消费者面对银行抛出的“绣球”仍然反应平平。以住房贷款为例,中国建设银行个人住房贷款的比例不到5%,与其数千亿元的贷款规模相比几乎不成比例。到目前为止,我国个人住房贷款的比例还不足贷款总规模的1%。今年武汉市安排了2个亿的汽车消费贷款,但今年1～5月武汉市汽车消费贷款仅仅贷出了不足200万。是什么因素制约着消费信贷的发展呢?归结起来,有以下几方面的原因。
Although the People’s Bank of China gradually relaxed its restrictions on consumer credit business, although the “Guidelines on Carrying Out Personal Consumer Credit” issued by the People’s Bank of China in early March reduced the first-phase payment of housing and automobile consumer loans from 30% to 20 %, But consumers face the “Hydrangea” thrown by banks still respond well. Taking housing loans as an example, the proportion of personal housing loans in China Construction Bank is less than 5%, which is almost disproportionate to the scale of its several hundred billion yuan loans. So far, the proportion of China’s personal housing loans is less than 1% of the total loans. This year, Wuhan City, arranged for 2 million car consumer loans, but from January to May this year, Wuhan City, consumer loans only lent out less than 2 million. What factors restrict the development of consumer credit? To sum up, there are several reasons.