旅游消费信贷初探

An Initial Discussion on Traveling Consumption Loan

旅游是人类在现代物质文明高度发展基础上所形成的一种高层次的生活需求。在发达国家,旅游已成为仅次于食品和住房的第三大消费项目。目前,直接融资异军突起,银行存差急剧增加。一方面是巨额资金被闲置,另一方面是人们强烈的旅游消费信贷需求得不到满足,因此,大力发展旅游消费信贷已迫在眉睫。

Traveling is a kind of high-level demand of human life based on the development of modem material ethics. In the developed countries, traveling has become the third largest consumption item, next only to food and housing. At present, direct financing suddenly comes to the fore; the gap between deposits and loans of the bank grows sharply. On the one hand, large amount of funds are left unused;on the other hand, people＇s intensive demand of traveling consumption loans cannot be met, therefore, developing traveling consumption loans vigorously is imminent.