大力拓展个人消费贷款业务

Devoting Major Efforts to the Development of Individual Consumption Loan Business

目前我国银行业在拓展个人消费贷款业务中存在着思想观念落后、认识不到位、业务品种单一、消费观念落后、营销力度不够、工作效率低等问题。加快发展个人消费贷款业务的对策:提高认识,增强拓展个人消费信贷业务的积极性;尽快建立个人信用制度;明确个人消费信贷业务市场定位;从严治贷,强化管理,有效防范消费信贷风险。

The existing problems in developing individual consumption loan business for China's banking industry include:backward in thinking,poor cognition,single business,old-fashioned con-sumption idea,limited marketing,low working efficiency and so on.Therefore,the following mea-sures should be taken to speed up individual consumption loan business;(1)conducting individual consumption loan business actively;(2)establishing individual credit system immediately;(3)under-standing the function in the market of individual consumption loan business accurately and(4)strengthening management to prevent consumption loan risk efficiently.