投资和消费是拉动经济增长的两个轮子。然而在过去相当长时间内 ,受卖方市场制约 ,我国经济政策都是从刺激社会供给出发的 ,消费对经济增长的拉动作用被长期忽略。在这种政策背景下 ,我国银行信贷对社会经济活动的支持主要局限于投资和生产领域 ,消费信贷几乎是一片空白。随着 Investment and consumption are the two wheels driving economic growth. However, in the past for a long time, due to the constraints of the seller’s market, China’s economic policies all started from stimulating social supply, and the pulling effect of consumption on economic growth was ignored for a long time. Under this policy background, China’s bank credit support for social and economic activities is mainly confined to the investment and production areas, consumer credit is almost a blank. along with