如何在入世后规定的短短五年内充分发挥自身优势,完善个人消费信贷市场,迎接外资金融机构的挑战以跟上国际金融业发展的步伐,已成为刻不容缓、亟待解决的问题。 一、制约消费信贷发展的主要因素 (一)消费者方面 1、消费观念滞后。几千年传统文化 How to give full play to one’s own advantages within a short period of five years after China’s accession to the WTO, improve the personal consumption credit market and meet the challenges posed by foreign financial institutions to keep pace with the development of the international financial industry have become urgent and urgent problems to be solved. First, the main factors restricting the development of consumer credit (a) the consumer side 1, the concept of consumption lags behind. Thousands of years of traditional culture