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随着我国扩大内需产业政策的深入实施和居民收入的不断增加,将进一步拉动个人信贷消费的需求。那么,商业银行如何抓住契机,及时转变经营策略,大力拓展个人消费信贷业务呢?建议从以下几个方面开展此项业务:一是建立和完善个人消费信贷的法律法规。政府职能部门要高度重视信用制度及相关法律法规的建设,加强信用立法,
With the deepening implementation of China’s policy of expanding domestic demand and the continuous increase of residents’ income, the demand for personal credit consumption will be further stimulated. So, how commercial banks seize the opportunity to change business strategies in a timely manner, and vigorously develop personal consumer credit business it is proposed to carry out this business from the following aspects: First, establish and improve personal consumer credit laws and regulations. Government departments should attach great importance to the credit system and related laws and regulations, strengthen credit legislation,