消费信贷是一项涉及社会各方的系统工程,不仅需要金融部门的大力支持,同时更需要政府、商家和消费者的共同努力。当前关键要抓好以下几方面工作:健全相关法规及配套措施。政府尽快完善法律和法规,制定《个人消费信贷条例》及有关实施细则,规范和统一各商业银行的操作。央行应加强对个人消费信贷的指导,定期总结和完善操作中的经验和措施,解决和协调各种困难和矛盾,政府为消费信贷 Consumer credit is a systematic project involving all sectors of society. It requires not only strong support from the financial sector but also the joint efforts of governments, businesses and consumers. The current key should do a good job in the following aspects: Improving relevant laws and regulations and supporting measures. The government as soon as possible to improve laws and regulations, the development of “personal consumption credit regulations” and the implementation details, standardize and unify the operation of commercial banks. The central bank should step up its guidance on personal consumer credit, regularly review and improve its operational experience and measures, and resolve and coordinate various difficulties and contradictions. The government will provide consumer credit