今年3月3日，中国人民银行发布《关于个人消费信贷指导意见》后，消费信贷成了商业银行拓展业务新的竞争焦点之一。应该说银行对启动消费的态度是积极的，采取的措施也是切实可行的。就以农业银行浙江省分行为例，开办个人消费贷款可追溯到1994年，那年就有两家支行开办政策性 On March 3 this year, after the PBC released the Guiding Opinions on Personal Consumer Credit, consumer credit became one of the new competitive focuses for commercial banks to expand their businesses. It should be said that the bank’s attitude toward starting up consumption is positive and the measures taken are feasible. Take Agricultural Bank of China Zhejiang Branch as an example. Starting a consumer loan can be traced back to 1994, when two branches started policy-making