论我国消费信贷机制的完善

On the Perfection of Consumer Credit Mechanism of Our Country

随着我国买方市场的形成和政府扩大内需政策的陆续出台，消费信贷作为促进经济增长的有效手段，日益成为社会各界普遍关心的热点。国有商业银行作为承办消费信贷业务的主体，如何适应市场需求的变化和国家政策的需要，积极稳妥地办好这一业务，更是当前亟待研究解决的课题。本文从我国发展消费信贷的条件、发展消费信贷尚需解决的问题和解决问题的对策建议等方面进行了论述。

With the buyer's market coming into being and the emerge of government policies concerning the expandition of domestic demand, the consumer credit, as an efficient way to stimulate economic growth, is now becoming the focus of the whole society. The rather urgent difficulties at the time are how the state -- owned commercial banks -- the main undertaker of consumer credit service -- adapt themselves to the changing market demand and the requirements of government policies, and develop such business actively and steadily. This paper gives a discussion on the preconditions for developing consumer credit, the problems in the development, and the countermeasures relatively.