发展消费信贷 ,扩大消费需求 ,尤其是扩大广大中低收入居民的消费需求 ,是目前我国经济工作的主要任务之一。但由于诸多因素的制约 ,消费信贷在刺激消费 ,进而促进经济增长等方面的重要杠杆作用尚未充分体现出来。如何消除这些制约因素 ,保持消费信贷渠道的畅通 ,是商业银行调 It is one of the major tasks of our economic work to develop consumer credit and expand consumer demand, especially expanding the consumption demand of the middle and low income residents. However, because of many factors, the important leverage of consumer credit in stimulating consumption and further promoting economic growth has not yet been fully reflected. How to eliminate these constraints and maintain the smooth flow of consumer credit channels is the commercial bank transfer