开拓国内市场，扩大需求，刺激消费是近年来我国经济工作的主旋律。为此中央相继出台了一系列政策措施以扩大内需。其中，中国人民银行颁布的《关于开展个人消费信贷指导意见》就是一个非常具体、实在的有力措施。消费信贷是银行向消费者个人发放的用于购买耐用消费品或支付其 Developing the domestic market, expanding demand and stimulating consumption are the main themes of our economic work in recent years. To this end, the Central Government has successively promulgated a series of policies and measures to expand domestic demand. Among them, the “Guiding Opinions on Carrying out Personal Consumption Credit” promulgated by the People’s Bank of China is a very concrete and effective measure. Consumer credit is issued to individuals by banks for the purchase or payment of durable consumer goods