摘要
商业银行消费信贷业务的发展是当前扩大我国国内需求与促进经济增长的重要途径之一。现阶段我国商业银行消费信贷业务的发展面临着个人信用制度不完备、地区之间发展不平衡、风险防范和风险转移机制缺失以及产品同质化现象突出的问题。解决这些问题可以采取以下措施:完善个人信用制度;大力发展农村消费信贷;建立和完善风险防范和风险转移机制;改进商业银行消费信贷业务市场营销手段;完善社会保障体系,转变消费观念。
The development of the consumption credit operation is one of the main approaches to expanding domestic demand and accelerating economic growth.At present,consumption credit operation in commercial banks faces the following problems：imperfect individual credit system,the imbalance among regions,lacking risk prevention and transfer mechanism and the product homogeneity are also obvious.Solutions to these problems listed below：Improving the individual credit system,developing rural consumption credit operation,founding and perfecting the risk prevention and transfer mechanism,enhancing market skill of consumption credit operation of the commercial bank,ameliorating the social security system and changing consumption notion.
出处
《特区经济》
北大核心
2009年第4期71-73,共3页
Special Zone Economy
关键词
商业银行
消费信贷
个人信用制度
The Commercial bank
Consumption credit
Individual credit system
