消费信贷业务已成为各家商业银行创新金融工具、增加服务品种的竞争焦点。商业银行向客户提供消费贷款,增强了服务功能和竞争实力,有利于以贷吸存工作,拉动相关中间业务,藉此调整信贷结构,增强盈利能力。在当前资产业 Consumer credit business has become the focus of various commercial banks to innovate financial instruments and increase the variety of service competition. Commercial banks provide consumer loans to customers and enhance their service functions and competitiveness so as to facilitate the absorption of loans by credit and stimulate the relevant intermediary businesses so as to adjust the credit structure and enhance the profitability. In the current asset industry