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２０００年中央经济工作会议提出的“要继续坚持扩大内需的方针”为我国消费信贷的大发展奏响了序曲； 央行连续出台的一系列鼓励发展消费信贷的举措为商业银行发展消费信贷业务提供了良好的契机。 在此背景下，国内各家商业银行纷纷把消费信贷业务作为发展的重点。但我国的消费信贷业务毕竟刚 刚起步，与世界发达国家相比，无论从业务范围、品种、数量、规模和质量上都还处在一个较低的水平上， 尚有许多有待完善之处。 为更好地推动我国消费信贷业务的发展．我们将在本栏目中陆续刊登这方面的内容，希望能对商业银 行消费信贷业务的发展有所借鉴。
The “guideline for continuing to maintain domestic demand” put forward by the Central Economic Work Conference in 2000 played an overarching track for the great development of consumer credit in our country. A series of measures encouraging the development of consumer credit by the Central Bank continued to be provided to commercial banks for the development of consumer credit business Good opportunity. In this context, all domestic commercial banks have taken consumer credit business as the focus of their development. However, China’s consumer credit business has just started its course. Compared with the developed countries in the world, the consumer credit business is still at a relatively low level in scope, variety, quantity, scale and quality. There are still many areas for improvement. In order to better promote the development of China’s consumer credit business. We will publish in this column one after another in this area, hoping to learn from the commercial bank consumer credit business development.