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今年上半年,我国国民经济运行情况出现了较大转机,在消费、投资、出口“三驾马车”的共同拉动下,增长势头强劲,一举扭转了我国经济增长自97年10月份以来一直从高位缓慢下落的局面,增长速度重新站到8%以上,出现了人们期望已久的拐点。但有专家指出,通货紧缩现象并未完全缓解,作为最终需求的消费需求,作为最原始推动力的居民购买力推动力并未成为市场的主力,这一点从上半年物价指数第一季度继续滑落、第二季度微增0.1%可以看出。如何解决消费低迷的问题,如何解放这个原始的巨大的拉动力,是一个复杂的、综合的社会问题。而商业银行开办个人信贷业务以促进居民消费最终拉动经济增长是一条重要途径。
In the first half of this year, there was a great turn for the better in our national economy. Under the common drive of consumption, investment and export “troika”, the momentum of growth was strong, reversing the growth of our economy since October 1997 Slowly falling from a high position, the growth rate to stand back more than 8%, there has been the long-expected turning point. However, some experts pointed out that the phenomenon of deflation has not been completely alleviated. As the consumer demand for final demand, the purchasing power drive of residents as the most primitive driving force has not become the main force of the market. This is the first quarter of the first half of the price index continued to slide, A slight increase of 0.1% in the second quarter can be seen. How to solve the problem of sluggish consumption and how to liberate this primitive huge driving force are complex and comprehensive social problems. The commercial banks to start personal credit business to promote consumer spending and ultimately stimulate economic growth is an important way.