在外资银行竞争的刺激下,今年以来中资银行金融创新步伐明显加快,在公众关注的消费信贷方面,银行屡有创新,个人委托贷款、转按揭、直客模式的推行更是吸引了诸多媒体和公众的眼球。但相对国外金融业上万种的金融产品,国内银行业算上信贷才有区区70多种产品,目前的产品显然远远不够 Stimulated by competition from foreign-funded banks, the pace of financial innovations of Chinese banks has accelerated significantly this year. Banks are constantly innovating in consumer loans that are of concern to the public. The implementation of individual entrusted loans, transfer of mortgages and direct-ticket models has attracted many media outlets And the public eye. However, compared with tens of thousands of financial products in foreign financial industry, the domestic banking industry accounts for more than 70 kinds of products in terms of credit, and the current products are clearly not enough