商业银行消费信贷业务发展调查与分析

The Survey and Analysis on the Development of Consumer Credit Business of Commercial Banks

商业银行消费信贷业务有效地支持了我国居民的购房、购车等需求,但是消费信贷业务在发展过程中也出现了一系列瓶颈问题。本文从西安市近五年的消费信贷相关数据入手,分析了消费信贷业务发展中的问题,并从完善社会保障体系、信用体系和加快拓展信用卡用卡渠道等方面提出对策建议。

Consumer credit business of commercial banks effectively supports the residents＇ demands for the purchase of houses and cars in China, but at the same time, there exists a series of bottlenecks during the process of the development of consumer credit business. The paper makes use of consumer credit data of nearly five years in Xi＇an city, analyzes the problems, and puts forward coun- termeasures and suggestions from such aspects as perfecting social security system and credit system, and speeding up to expand the credit card channel.