一、问题的提出为了扩大内需 ,刺激消费 ,促进国民经济快速增长 ,去年国家出台了一系列鼓励个人消费信贷的政策 ,然而消费信贷的开展远不如人意 ,与社会各方面的良好意愿形成鲜明的反差。消费信贷难以开展 ,缺乏个人信用评估的资料、手段和配套制度是主要原因之一。商业银行最 First, raise the issue In order to expand domestic demand, stimulate consumption, and promote rapid growth of the national economy last year, the state introduced a series of policies to encourage personal consumer credit, however, the development of consumer credit is far from satisfactory, and the goodwill of all sectors of society is clear Contrast. Consumer credit is difficult to carry out. The lack of personal credit assessment information, means and supporting system is one of the main reasons. Most commercial banks