目 录
内容提要·····························································1
我国发展消费信贷的有利因素·····························2
1、经济持续发展，为消费信贷提供广阔发展空间·····························2
2、银行业迫切改善资产质量，使消费信贷成为发展重点·······················3
3、中国加入世贸后，促使商业银行加快发展消费信贷·························3
4、国家扩大内需政策的继续推行，给消费信贷发展创造良好的机遇·············4
我国发展消费信贷的制约因素·····························4
1、银行业消费信贷盲目性发展的制约·······································4
2、社会保障制度不完善的制约·············································5
3、个人信用制度不健全的制约·············································5
4、居民传统消费观念的制约···············································6
5、银行信贷运作机制的制约···············································6
6、居民收入水平的制约···················································6
三、 我国发展消费信贷的对策··································7
1、积极改善外部环境，营造消费信贷发展的政策环境·························7
2、完善消费信贷保险制度，增强银行抗风险能力·····························7
3、建立完备的个人征信体系，加强消费信贷风险防范机制·····················8
4、实现消费贷款证券化，分散消费信贷风险·································8
5、建立银行内部消费信贷的风险管理体系···································9
6、注重市场调研与营销，开发消费信贷新品种·······························9
7、合理构造业务流程，提高工作效率·······································9
参考文献····························································10
内 容 摘 要
消费信贷作为我国经济和社会生活中的一项迅速发展的事物，其发展对推动我国经济持续增长与深化金融改革具有重要的现实意义。本文探讨了我国发展消费信贷的有利因素与制约因素，着重提出了发展消费信贷的对策。
随着国民经济的持续快速发展，居民对消费信贷的有效需求不断提升。尤其是中国加入世贸后，银行业迫切需要改善资产质量，促使商业银行加快发展消费信贷。但是，社会保障制度不完善、个人信用制度不健全、居民传统消费观念及收入水平等因素制约着消费信贷的发展。
关键词
消费信贷、 消费信贷环境、 消费信贷对策
