早在1999年的3月4日,中国人民银行就发布了《关于开展个人消费信贷指导意见》,指导各商业银行在继续做好个人住房、汽车消费信贷的同时,试办一些新品种的消费信贷,如耐用消费品贷款、教育助学贷款、旅游贷款等。这无疑为我国消费信贷市场的发展注入了新的活力。 消费信贷是指消费者依靠信用先取得商品使用权,然 As early as March 4, 1999, the People's Bank of China released the Guiding Opinions on Carrying Out Personal Consumption Credit to guide all commercial banks in piloting the consumption of new varieties while continuing to make good personal housing and automobile consumer credit. Credit, such as consumer durables loans, education student loans, travel loans and so on. This undoubtedly injected new vitality into the development of China's consumer credit market. Consumer credit refers to consumers rely on credit first to obtain the right to use commodities, however