当前,我国消费品市场已逐步完成从卖方市场向买方市场的转变,这使得消费需求对经济增长的影响增大。我国传统金融服务的重点一直放在存、贷、汇业务上,贷款的服务对象主要是企事业单位,个人消费信贷业务几近空白。这种相对发达的生产信贷支持下的生产力扩张与相对落后的消... At present, China’s consumer goods market has been gradually completed from the seller’s market to the buyer’s market, which makes the impact of consumer demand on economic growth. The focus of China’s traditional financial services has been on deposit, loan and exchange business. The target customers for loans are mainly enterprises and institutions and personal consumer credit business is almost empty. This relatively advanced production credit support for the expansion of productivity and relatively backward consumer ...