消费作为推动经济增长的动力,近年来得到国家的高度重视,从扩大内需宏观经济政策的确立,到增加农民及城镇低收入者收入措施的推出,再到各项社会保障措施的逐步落实,消费已被放到了空前重要的地位。然而,在边远落后地区,消费的趋势却不能令人满意。在银行的资产负债表上,一方面国家几次降息,但居民的储蓄存款却居高不下,另一方面消费信贷业务发展速度缓慢,远远落后于其他贷款的增长速度,究其原因,主要受以下几方面因素影响: Consumption as a driving force for promoting economic growth has received great attention from the state in recent years. From the establishment of macroeconomic policies to expand domestic demand to the introduction of income measures for peasants and low-income urban residents, the gradual implementation and consumption of various social security measures Has been placed on an unprecedented important position. However, in the remote and backward areas, the trend of consumption is unsatisfactory. On the bank’s balance sheet, on the one hand, the country has cut interest rates on several occasions, but residents’ savings deposits have remained high. On the other hand, the consumer credit business has been developing at a slow pace far behind the growth rates of other loans. The reason is that the major Affected by the following factors: