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发展个人消费信贷对于促进消 费，扩大内需，推动生产，支 持国民经济持续健康发展具有十分重要的意义。目前西方发达国家银行对个人的贷款可以占到全部贷款的４０％，相比之下我国个人消费贷款业务的发展还十分缓慢。虽然当前我国银行已经推出了汽车、住房、助学、耐用消费品
The development of personal consumer credit is of great importance to promoting consumption, expanding domestic demand, promoting production and supporting the sustained and healthy development of the national economy. At present, the loans to individuals in the developed countries in the West can account for 40% of all loans, compared with the very slow development of the personal consumer loan business in our country. Although China’s banks have already introduced the car, housing, student education, consumer durables