自1995年以来,我国的消费信贷业务得到迅速发展,成为银行贷款投放的重要渠道,但是,相对于消费信贷在发达国家的较高市场份额和中国百姓的庞大消费需求潜力而言,我国的消费信贷业务在整个金融业务中所占的比例还非常小,尚须突破一些有碍其发展的制度、观念和营销等方面的瓶颈。 Since 1995, China’s consumer credit business has developed rapidly and has become an important channel for bank loans. However, relative to the high market share of consumer credit in developed countries and the huge consumer demand potential of Chinese people, the consumption in China The proportion of credit business in the entire financial business is still very small. It still needs to break some bottlenecks in the aspects of system, concept and marketing that impede its development.