我国城乡居民的整体消费水平逐步进入小康,2002年人均GDP接近1000美元。我国正处于消费升级时期。近几年来,随着国内居民收入的提高、观念的转变以及国家相关政策的出台,消费信贷在逐年升温。 由于个人消费贷款效益高而风险相对较低,个人消费贷款市场作为国内商业银行争夺的重点,竞争日益加剧。消费 The overall level of consumption of urban and rural residents in China has gradually entered a well-to-do society. In 2002, the per capita GDP was close to 1,000 U.S. dollars. My country is in a period of escalation in consumption. In recent years, with the increase of domestic income, the change of concept and the introduction of relevant national policies, consumer credit is heating up year by year. Due to the high personal loan efficiency and the relatively low risk, the personal consumer loan market, as the focus of the domestic commercial banks’ competition, has become increasingly competitive. consumption