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1998年以来,国家出台了一系列扩大内需、促进消费、推动消费信贷的政策措施,尤其是1999年3月3日,中国人民银行发布《关于开展个人消费信贷的指导意见》以后,各家商业银行相继推出了一些个人消费贷款具体办法,加大了消费信贷力度。目前已形成了包括个人住房贷款、汽车消费贷款、耐用消费品贷款、教育贷款、旅游贷款、小额抵押贷款在内的个人消费贷款业务体系,消费信贷也逐渐得到许多平常百姓的认同。消费信贷的迅速发展一方面在改善居民生活质量和启动内需,推动经济发展
Since 1998, the state has promulgated a series of policies and measures to expand domestic demand, promote consumption and promote consumer credit. In particular, on March 3, 1999, following the promulgation of the Guiding Opinions on Carrying Out Personal Consumer Loans by the People’s Bank of China, various commercial Banks have introduced some specific methods of personal consumer loans, and increased consumer credit efforts. At present, individual consumer loan business systems have been formed, including individual housing loans, automobile consumer loans, consumer durable goods loans, education loans, travel loans and small-sum mortgages. Consumer credit has also been gradually recognized by many ordinary people. The rapid development of consumer credit on the one hand to improve the quality of life of residents and to start domestic demand and promote economic development