年初中国人民银行在消费信贷政策方面作了较大的调整，指出：1999年各商业银行对住房消费贷款和汽车消费贷款的投入要高于1998年的投放比例；将个人住房贷款由普通住房贷款扩大到借款人自用的各类住房。其目的是刺激消费扩大内需，拉动经济增长。而消费者信贷业务在我国刚刚起 In the beginning of this year, the People’s Bank of China made a big adjustment in its consumer credit policy. It pointed out that in 1999, commercial banks invested more in housing consumer loans and automobile consumer loans than they did in 1998; and from individual housing loans to ordinary home loans Expand to borrowers for their own use of all types of housing. Its purpose is to stimulate consumption to expand domestic demand and stimulate economic growth. The consumer credit business in China has just started