特征1:增长速度快,规模不断扩张 截至2003年末,中国消费信贷余额已从1998年的172亿元增加至15732.6亿元(见图1),5年间规模增长了90倍,年平均增速达到112％。1998年消费信贷的增长速度高达326％,随着贷款余额的增长,消费信贷的增长速度逐渐放缓,2003年下降到47.5％。 在这样的高速增长支撑下,消费信贷在银行信贷资产中的比重不断上升(见图2)。其中,个人消费 Feature 1: Rapid Growth and Constant Scale Expansion As of the end of 2003, the balance of consumer credit in China has increased from 17.2 billion yuan in 1998 to 1.57326 trillion yuan (Figure 1). The scale of its growth has increased 90 times in five years, with an average annual growth rate of 112%. In 1998, the growth rate of consumer credit was as high as 326%. With the growth of loan balance, the growth rate of consumer credit gradually slowed down and dropped to 47.5% in 2003. Supported by such rapid growth, the share of consumer credit in bank credit assets continues to rise (see Figure 2). Among them, personal consumption