目前我国经济正在遭遇着国际性金融危机全面冲击的严峻挑战。在阐述银行消费信贷国际借鉴的基础上,有针对性地提出了一系列我国商业银行大力发展消费信贷的策略,目的是增加群体投资,拉动消费,启动市场,解决当前国内严重的内需不足、消费疲软问题,重振我国经济。 At present, our economy is suffering from the severe challenge of the full impact of the international financial crisis. On the basis of expounding the international reference of bank consumer credit, it puts forward a series of strategies that our country commercial banks vigorously develop consumer credit. The purpose is to increase group investment, stimulate consumption, start the market, and solve the current serious domestic shortage of domestic demand and consumption Weakness, revitalize our economy.