建立中国消费信贷市场管理体系初探

A Primary Exploration on Establishing China's Consuming Credit Market Management System

我国银行业开展消费信贷才刚刚起步。而在这方面 ,世界上许多国家已取得了相当成熟的经验。了解和学习其他国家开展消费信贷业务的成功经验 ,发展我国信贷 ,对于促进银行开发新的金融产品 ,拓展新的服务领域 ,增强自身竞争力 ,必将起到积极的作用 ;对于扩大内需 ,保持国民经济健康、持续、稳定发展 ,也具有十分重大的现实意义。

Implementing consuming credit is only in the incipient stage in China's banks. Many countries in the world, however, have achieved much matured experience in the aspect. Understanding and learning other countries' successful experience in consuming credit and developing our country's credit will surely play an active role in facilitating China's banks to develop new financial products ,widen new service domain and strengthen their own competitiveness. It is also has quite an important realistic meaning in keeping China's national economy healthful, sustainable and steady.