当前,我国居民的最终消费占比逐年增加,消费结构逐渐升级。面对消费升级的蓬勃发展,众多银行加大对消费金融业务的资源倾斜,积极开辟新的利润增长点。本文阐述了我国消费升级的现状及特点,并分析了消费升级带给银行业的机遇和挑战,最后提出了商业银行应对消费升级的对策。 At present, the proportion of the final consumption of residents in our country increases year by year, and the consumption structure gradually escalates. Faced with the booming consumption upgrade, many banks have increased their resources on the consumer finance business and actively opened up new profit growth points. This article expounds the status quo and characteristics of China’s consumption upgrading and analyzes the opportunities and challenges brought by consumption upgrading to the banking industry. Finally, it puts forward the countermeasures of commercial banks to deal with the upgrading of consumption.