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引导消费,促进消费已经成为当前我国扩大内需发展经济的重大举措,它为商业银行的业务发展提供了新空间,而今商业银行的消费信贷为何热不起来、原因何在?为此,本文将从它的制约因素及对策谈一点看法。一、发展消费信贷是历史的必然自1996年我国经济成功实现“软着陆”后,国内外经济环境发生了明显变化。一个新的市场体系已形成,即以消费者为主体的买市场从“卖什么,买什么”转化为“买什么,卖什么”的消费市场格局。我们商业银行作为连接商品市场和消费者的桥梁,只有在市场经济中发挥“服务中介”的职能作用,才能实现自身信誉和价值的提高。
To guide consumption and promote consumption has become a major measure for our country to expand domestic demand and develop economy. It provides a new space for commercial banks to develop their business. Why is the consumer credit of commercial banks nowhere hot? For this reason, Restrictions and Countermeasures Talk about the point. First, the development of consumer credit is inevitable in history Since 1996, China’s economy successfully achieved “soft landing”, the domestic and international economic environment has undergone significant changes. A new market system has been formed, that is, the consumer-oriented buying market changes from “what to buy, what to buy” to “what to buy and what to sell.” As a bridge between the commodity market and the consumer, our commercial bank can only achieve its own credibility and value by playing the role of “service intermediary” in the market economy.