积极开展个人消费信贷（以下统一简称消费信贷），对促进消费，扩大内需，推动生产，支持国民经济持续稳定发展以调整信贷结构，提高信贷或资产质量，具有十分重要的意义。为促进和规范个人消费信贷业务的健康有序发展，提出以下指导意见：一、稳步推进和拓展消费信贷业务。从 Actively carrying out personal consumption credit (hereinafter referred to as consumer credit) is of great significance to promoting consumption, expanding domestic demand, boosting production, supporting the sustained and steady development of the national economy so as to adjust the credit structure and improve the quality of credit or assets. In order to promote and standardize the healthy and orderly development of personal consumer credit business, the following guidance is proposed: I. Steady promotion and expansion of consumer credit business. From