“消费信贷”这一事物,经媒体炒作、舆论宣传、政府引导、百姓议论、银行摸索、已经许久了。但总觉得她羞羞答答,扭扭怩怩,千呼万唤就是走得不快。诚然,中国个人信用制度的不健全,人民群众收入水平参差不齐,法律意识淡薄,超前消费习惯尚未养成等因素阻碍了这一业务的发展,可是金融部门开拓此项工作的信心与魄力也很显不足。 The issue of “consumer credit” has been going on for a long time by media speculation, media publicity, government guidance, people’s discussion and bank exploration. But always feel she shy, twisted shy, long afterglow that go unhappy. It is true that China’s personal credit system is not perfect, the people’s income levels are uneven, the legal awareness is weak, the advanced consumer habits have not yet formed and other factors hinder the development of this business, but the financial sector to develop this work has the confidence and courage It is obviously inadequate.