消费信贷发展的制度缺陷及策略分析

The System Defect and Tactics Analysis of the Consumptive Credit Development

消费信贷是商业银行以货币形态或契约形式向消费者提供的用于购买商品或劳务的贷款和信用。发展消费信贷是现代商业银行实现盈利性目标的新的增长点和重要的业务创新。制度性缺陷是我国消费信贷运行低效率的根源,必须消除与其发展相关的制度基础缺陷,将外部制度完善和内部制度创新相结合,才能实现消费信贷的高效发展。

Thd consumptive credit is the loan and credit that the commercial banks offer the consumers for buying the goods or the labor service in the form of the monetary shape or the agreement. It is a new point of growth and an important business innovation that can make the modern commercial banks reach the profitable goal. Institutional defects account for the fact that the consumptive credit of our country operates in a low-efficient state. We must dispel the basic defects of system that are related to the development of the consumptive credit. Only when we combine the internal system innovation with the external institutional improvement can we realize the high-efficient development of the consumptive credit.