近几年来 ,如何刺激居民消费需求一直是人们关注的焦点。针对我国需求不足 ,中央银行借鉴国外的经验于 1 999年 3月正式发布关于开展个人消费信贷的指导意见 ,商业银行推出消费信贷。但令决策部门和专家学者失望的是 ,目前消费信贷不足信贷总量的 1 %(而美国向消费者发放的消费 In recent years, how to stimulate consumer demand has always been the focus of attention. In response to the lack of demand in our country, the Central Bank, drawing on the experience of other countries, formally released its guidance on the development of personal consumer credit in March 1999, and commercial banks launched consumer credit. But what disappoints the decision-making departments and experts and scholars is that at present, consumer credit is less than 1% of the total amount of credit (while the consumer spending in the United States