个人消费信贷拓展中面临的主要问题

The main problems in the continuation ofpersonal consumer credit in China

开展消费信贷,对于推动当前经济增长,扩大消费需求,保持国民经济可持续发展有很重要的作用,也是国家实施稳健的货币政策的一个重要的组成部分。但其在实际运行中,出现了不少问题,并没有呈现预期的效果。从消费者、商业银行和社会制度环境三个方面,分析了我国消费信贷业务拓展中所面临的主要问题,并提出应从构建社会信用框架,推进资本市场发展和优化银行服务等方面促进消费信贷。

Developing the consumer credit plays an important part in driving the present increase of economy,enlarging the need of consumer and keeping the continued development of the national economy,and it is as well as an important part of the monetary policy which is under implement and construction by the government . However,in its actual running,many problems appear which are not what we have expected.This paper analyses the main problems from three parts:consumer, business banks and environment of social system.What's more,we should build the frame of social credit, push the development of capital market,make the best bank service.Key words: consumer credit;bank;social environment