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消费信贷面对个人,经营成本较高,在缺乏完善信用中介服务体系,文明道德水平不高的情况下,经营风险较大。消费信贷市场是一个巨大的金融消费市场,发达国家已经发展比较成熟。加入WTO,国外金融业将进入我国,未来的竞争必将激烈,我国金融业应当有足够的准备。本文从我国金融机构存款现状入手,分析了我国消费信贷市场的困境及其成因,面对我国冷清的消费信贷市场,疾呼“狼来了”。并依据现代金融经营管理原理,提出了一些针对性的对策。
Consumer credit facing individuals, operating costs higher, the lack of perfect credit intermediary service system, civilized morality is not high, the business risk. Consumer credit market is a huge financial consumer market, developed countries have developed more mature. With the accession to the WTO, the foreign financial industry will enter our country and the competition in the future will be intense. Our financial industry should have enough preparation. This article begins with the present situation of deposit of financial institutions in our country, analyzes the predicament and its causes of the consumer credit market in our country, and calls for “the wolf” in the deserted consumer credit market of our country. And based on the modern financial management principles, put forward some countermeasures.