自1998年各金融机构在央行的部署下积极稳妥地开展消费信贷业务以来,消费信贷就成为人们十分关注的热点。但是,从消费信贷业务开展的实际情况看,消费信贷在我国运行状况并不十分理想,全国国有商业银行的住房贷款规模远远落后于同期信贷规模,汽车消费贷款业务量就更小,其它一些消费贷款更是处于“只 Since 1998, when various financial institutions actively and steadily carried out consumer credit business under the Central Bank’s deployment, consumer credit has become a hot issue of great concern to people. However, from the actual situation of consumer credit business, consumer credit in China is not very satisfactory operating conditions, the national state-owned commercial bank loans far behind the scale of the same period of credit scale, auto loan business is even smaller, and some other Consumer loans are more in "only