去年以来,尽管各商业银行积极推出各种消费信贷品种,采取简便手续,实行降低服务费用等措施,不断增加信贷资金,以刺激消费。但至今各行发放的消费贷款占比仍然很低,与其它各项贷款相差悬殊,消费信贷发展缓慢。笔者认为,问题主要在于:第一,我国传统的消费方式落后,群众对消费信贷缺乏了解。我国几千年来形成的消费习惯和消费观念是节俭持家、量 Since last year, despite the active launch of various consumer credit varieties, various commercial banks have adopted simple procedures and measures such as reducing service fees to continuously increase their credit funds so as to stimulate consumption. However, the proportion of consumer loans distributed among all walks of life so far is still very low. There is a big gap between other loans and the slow development of consumer credit. The author believes that the main problems lie in: First, the backward consumption patterns in our country are backward, and the masses lack a clear understanding of consumer credit. The concept of consumption habits and consumption formed in our country for thousands of years is to save the house and measure in a frugal manner