摘要
近年来我国消费信贷发展趋缓,其原因一是宏观经济政策传导机制弱化,二是商业银行内部管理机制不健全,三是消费者金融意识欠缺消费需求不足。要保持消费信贷的持续发展,势必要有激活消费信贷的新思路。
The pace of consumption lending is slowing down in our country these few years. One of the reasons is macro-economic policy weakening the system. Second is the lack of sound internal management system in commercial banks. The last is consumers are short of financial knowledge that leads to insufficient consumption demand. As a result, a new policy of consumption lending is necessary.
出处
《广东金融学院学报》
2005年第4期51-55,共5页
Journal of Guangdong University of Finance
关键词
商业银行
消费信贷
信用评估
风险管理
Commercial Bank
Consumption Lending
Credit Evaluation
Risk Management
