一、从国际银行业发展趋势看消费信贷全球范围内有一个共同的发展趋势,即直接融资市场越发达,银行客户越倾向将货币投向直接金融产品,商业银行客户流失现象越为严重。一方面,客户的金融观念越来越强,对于金融工具盈利性的敏感度和要求越来越高,投资的技巧也越来越好;另一方面, First, from the perspective of the development trend of international banking, consumer credit has a common development trend in the world. That is, the more developed direct financing market, the more bank customers tend to invest money in direct financial products, and the more serious the loss of customers in commercial banks. On the one hand, clients’ financial concepts are getting stronger and stronger, their sensitivity and demand for the profitability of financial instruments are getting higher and higher, and their investment skills are getting better and better. On the other hand,