论消费信贷的问题与对策

On the problem of consumption credit and its games

消费信贷作为扩大内需的一个重要方面 ,由于消费者银行和消费市场方面都存在一定问题 ,市场反应并不强烈。针对以上问题提出解决问题的关键是树立新型消费观念 ,开展个人信用调查和银行自身应不断拓展消费信贷领域 ,开展品牌营销 。

The consumption credit is an important aspect in expanding domestic demand. Since there exist some certain problems among the consumers, banks and consumption markets, the market reflection is not strong at all. In view of the above problems, this paper suggests that the key to solving these problems be to set up a new type of consumption concept and to carry out the individual credit investigation and that the bank itself should continue to expand the fields of consumption credits, conduct the brand marketing and provide the characteristic financial services.