国家计委规划司负责人日前指出:在规范化和严密措施保障下的消费信贷,将成为启动城镇消费,推动经济增长的杠杆.这位负责人指出,我国城镇居民的消费已走到一个新的转折点.基本消费品和家用电器已得到普及,今后的消费热点将是:计算机(普及率不到1%)、电话(普及率10%)、住房等.目前这些产品的生产供应能力已经很大,但有效需求不足.开拓住房这类万元以上商品市场,需要做大量工作,包括降低造价、改革福利性分配住房等,但从购买方式讲,实行抵押贷款、分期付款,来解决消费者一次性付款过大的问题是关键的一环.这不仅是流通方式的改变,也是金融体制的变革. The head of the Planning Department of the State Planning Commission recently pointed out: consumer credit under the protection of standardization and stringent measures will become the lever to start urban consumption and promote economic growth, and the official pointed out that the consumption of urban residents in China has come to a new Turning point .Basic consumer goods and household appliances have been popular, the future consumer hot spots will be: the computer (less than 1% penetration rate), telephone (penetration rate of 10%), housing, etc. At present, the production and supply capacity of these products has been very large, But the effective demand is insufficient.It is necessary to do a lot of work such as reducing the cost and reforming the welfare distribution housing, etc., but for the purchase mode, to implement the mortgage loan and installment payment to solve the one-time consumers The issue of overpayments is a crucial link, not only as a change in the way of circulation but also as a transformation of the financial system.