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在出口需求不能大幅增加的情况下，消费和投资是拉动经济增长的主要手段。我国现阶段，商业银行积极稳妥地扩大消费信贷业务，是扩大消费需求，促进经济增长的一条有效途径。 发展消费信贷有利于扩大国内总需求。我国目前经济处于需求约束型阶段，消费信贷作为刺激消费的金融手
In the absence of a sharp increase in export demand, consumption and investment are the main means of stimulating economic growth. At the present stage in our country, commercial banks actively and steadily expand consumer credit business is an effective way to expand consumer demand and promote economic growth. Developing consumer credit is conducive to expanding the overall domestic demand. At present, China’s economy is in a demand-constrained phase. Consumer credit serves as a financial hand to stimulate consumption