发展消费信贷是我国政府今年启动消费市场的重要经济举措。国有商业银行作为承办消费信贷业务的主体,如何适应市场需求的变化和国家政策的需要,积极探索和大胆创新地办好这一业务,是当前亟待研究的一大课题。一、现实状况改革开放20年来,消费对我国GDP增长所作的贡献率一直保持在60%左右,而国外消费贡献率一般在70-80%,我国与世界平均水平相比明显偏低,这说明两个问题:一是我国主要用高投资率来支撑经济的增长;二是我国单位劳动成果中,可供社会公众消费的部分较少,而转化为 The development of consumer credit is an important economic measure our government launches the consumer market this year. As the main body that undertakes the consumer credit business, state-owned commercial banks, how to adapt to the changes in market demand and the needs of national policies, actively explore and innovate boldly to run this business is a major issue to be studied urgently. First, the actual situation 20 years of reform and opening up, the contribution of consumption to China’s GDP growth contribution rate has been maintained at about 60%, while the contribution rate of foreign consumption is generally 70-80%, our country compared with the world average was significantly lower, indicating that Two questions: First, China mainly uses high investment rates to support economic growth. Second, in China’s unit labor achievements, less is available to the public for consumption.