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为扩大内需和优化信贷资产结构,从1998年以来人民银行出台了18项主要政策,大大推进了消费信贷业务的发展。各商业银行也相继推出个人住房、汽车、教育、旅游、装修、大额耐用消费品的消费信贷产品。到2001年10月,我国消费信贷总额为6464亿元,比1997年增加了6292亿元,消费信贷占各项贷款的比例由不足0.3%上升到近6％。根据西方发达国家的经验,消费信贷在整个信贷资金中的比重一般为20％~40％,我国远未启动消费需求的杠杆,有诸多因素阻碍了它的发展
In order to expand domestic demand and optimize the structure of credit assets, the PBC has issued 18 major policies since 1998, which have greatly promoted the development of the consumer credit business. Commercial banks have also successively launched consumer credit products for individual housing, automobile, education, tourism, decoration and large-scale consumer durables. By October 2001, the total amount of consumer credit in our country was 646.4 billion yuan, an increase of 629.2 billion yuan over 1997. The proportion of consumer loans to various loans rose from less than 0.3% to nearly 6%. According to the experience of developed western countries, the proportion of consumer credit in the entire credit funds is generally 20% to 40%. Our country is far from starting the lever of consumer demand and many factors have hindered its development