我国消费信贷总体进展缓慢 ,尤其是欠发达地区 ,消费贷款在规模小的同时呈现出满足基本消费需要的被动性贷款多、生产性消费贷款多以及信贷需求与偿贷能力之间存在一定的非对称性等特点。从表面上看 ,银行消费信贷门槛高、手续复杂是制约消费信贷的重要原因 ,但实质上这是业务先行、环境滞后的必然反映 ,银行为保证信贷资产安全不得不谨慎从事 ;当然 ,银行内部的职责分工体制确实不适应业务发展的需要。可见 ,欠发达地区银行想要拓展消费信贷业务 ,一是可以推进、改善对被动性和生产性消费贷款的服务 ,二是加强对提高生活档次的主动性消费贷款的营销 ,三是设法分散风险 ,四是推进个人信用制度建设 The overall progress of consumer credit in our country is slow, especially in the underdeveloped areas. Consumption loans show a small number of passive loans that meet the basic consumption needs. There are many non-productive consumer loans and non-credit loans. Symmetry and other characteristics. On the surface, banks have a high threshold of consumer credit and complicated procedures, which are important reasons for restricting consumer credit. However, this is an inevitable reflection of business precedence and environmental lag. Banks have to be cautious in ensuring the safety of credit assets. Of course, The division of responsibilities does not meet the needs of business development. Evidently, banks in underdeveloped regions want to expand their consumer credit business. One is to promote and improve their services on passive and productive consumer loans. The other is to strengthen the marketing of consumer loans on the initiative of raising living standard. The third is to try to diversify the risks Fourth, promote the construction of personal credit system