目前,银行仍是提供消费信贷的主流渠道,消费金融公司、民间借贷则居于从属地位。消费信贷经过近几年的快速发展,贷款品种不断增加,贷款方式逐渐丰富,并呈现出多元化、差异化、细分化的特点,为消费者提供了诸多选择。目前,银行仍是提供消费信贷的主流渠道,消费金融公司、民间借贷则居于从属地位。由于消费金融公司提供的信贷品种我们将在后文介绍,因此,本文着重对银行提供的消费信贷品种进行详细介绍。 At present, banks are still the main channels for providing consumer credit. Consumer finance companies and non-government borrowings are subordinate. After the rapid development of consumer credit in recent years, the loan variety is increasing, the loan style is gradually enriched, and the characteristics of diversification, differentiation and segmentation are presented, providing consumers with many choices. At present, banks are still the main channels for providing consumer credit. Consumer finance companies and non-government borrowings are subordinate. As the types of credit offered by consumer finance companies are described below, this article focuses on the details of the types of consumer credit offered by banks.