制约消费信贷发展的因素及解决途径

Restricting Factors and Solutions on Development of Consumptive Loans and Corresponding Solutions

随着我国金融体制改革的深化,商业银行积极致力于金融产品的创新已成为金融改革与发展的现实选择。商业银行的消费信贷业务已成为各商业银行调整信贷资产结构,改善信贷资产质量的重要金融产品,有效解决制约消费信贷发展的症结,积极推进消费信贷业务发展是当今商业银行发展的首要任务。

Recently, with the deepening of financial structural reform in China, commercial banks＂ innovation in financial products has become a practical choice of financial reform and development. Nowadays, Chinese consumers have gradually accepted the concept that ＂spending tomorrow＇s money to realize today＇s dream＂. Therefore, consumptive loan business of commercial banks has become a very important financial product in adjusting loan capital structure and improving loan capital quality. As a result, the effective solution of restrictions on the development of consumptive loans and the active promotion of consumptive loan business is the primary task for commercial banks.