一、个人消费信贷业务发展现状有数据统计,我国的消费信贷余额由1997年的172亿元发展到如今4.65万亿元,19年间足足增长了270多倍。可见我国个人消费信贷巨大以及快速的发展速度。随着个人消费信贷的快速成长,我国商业银行开始把个人消费信贷业务作为行内重点业务培养对象,把业务中心放在个人消费信贷业务上,其在银行的地位日益突出。个人消费贷款在银行信贷中占有较大比重,据资料统计,我国个人消 I. Development of Personal Consumer Credit Business According to statistics, the balance of consumer credit in our country has grown from 17.2 billion yuan in 1997 to 4.65 trillion yuan now, a full increase of 270 times in 19 years. We can see huge and rapid growth of personal consumer credit in our country. With the rapid growth of personal consumer credit, commercial banks in our country started to take personal consumer credit business as the focus of business development in their banks and put their business centers on personal consumer credit business. Their position in the banking sector has become increasingly prominent. Personal consumption loans account for a large proportion of bank credit, according to statistics, China’s personal consumption