商业银行消费信贷发展的制约因素与基本对策

Restriction factors and countermeasures of developing consumer credit of commercial bank

阐述了商业银行发展消费信贷的意义 ,系统分析了制约我国消费信贷发展的基本因素 ,并从完善收入分配、构建个人信用体系、完善配套制度、开拓农村信贷市场、建立金融服务体系。

The significance of developing comsumer credit is expaciated,and restrication factors is also analyzed in detail in this paper.Furthermore,some basic countermeasures for developing consumer credit in many aspects are put foward,such as improving income distribution system,setting up personal credit system,consummating accessary system,developing country credit market,and building financial service system,etc.