发展消费信贷的对策思考

Thinking on How to Develop China's Consumption Credit

消费信贷的发展与一定的经济发展水平、消费者的接受程度、商业银行金融创新的步伐密切相关。要发展消费信贷，一是商业银行应将其作为新的利润增长点对待，二是要扩大消费信贷的市场需求、三是应完善消费信贷的配套机制，推动消费信贷的发展。

The development of consumption credit is closely related to the economic development level,accepance degree of the consumer,and the financial innovations of commercial bank.To develop China's consumption credit,the commercial bank should look upon it as a profit increasing point;secondly,the market demand of the consumption credit should be enlarged; thirdly,the match policies should be built for the develepment of consumption credit.