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年初,国家政府发布了《关于开展个人消费信贷的指导意见》,将消费信贷作为扩大内需的重要措施推了出来。随后,各商业银行纷纷开展此项业务,许多新闻媒体也进行了大力炒作,“消费信贷”很快成了人们街谈巷议的热门话题。受此影响,在许多人眼里,似乎消费信贷的热潮不久就会来到,国内需求也将由此而迅速扩大。这实在是一个极其幼稚的判断。在我们看来,
At the beginning of this year, the national government released the Guiding Opinion on Carrying out Personal Consumption Credit, pushing consumer credit as an important measure to expand domestic demand. Subsequently, various commercial banks carried out this business in succession. Many news media also made great efforts. The “consumer credit” quickly became a hot topic for people to talk about in the streets. Affected by this, in the eyes of many people, it seems that the craze for consumer credit will soon come and domestic demand will also rapidly expand. This is really an extremely naive judgment. From our perspectives,