一、消费信贷极具潜力从宏观上讲 ,消费信贷有利于刺激消费、扩大内需 ,可以帮助扭转当前有效需求不足、库存商品积压严重的局面 ,可以促进商品的流通 ,促进生产 ,推动整个经济的发展。从银行的角度讲 ,随着市场经济的纵深发展 ,消费信贷已成为各家银行一个新的业务增长点 ,逐 First, the great potential of consumer credit From a macro point of view, consumer credit is conducive to stimulating consumption and expanding domestic demand, can help reverse the current lack of effective demand, inventory backlog of serious situation, can promote the circulation of commodities, promote production, promote the economy development of. From the bank’s point of view, with the deepening of the market economy, consumer credit has become a new business growth point for banks