近几年,随着我国城乡居民收入水平的提高以及消费理念的更新,消费信贷蓬勃发展,拉动了内需的增长,促进了信贷结构的调整,成为商业银行新的利润增长点。为了解湖北省银行业消费信贷发展状况,最近,我们组织人民银行武汉分行营管部和黄冈、襄樊、随州三家中心支行以及省直金融机构 In recent years, with the improvement of the income level of urban and rural residents in China and the renewal of consumption concept, the rapid development of consumer credit has stimulated the growth of domestic demand and promoted the adjustment of credit structure, thus becoming the new point of profit growth for commercial banks. In order to understand the development of consumer credit in banking industry in Hubei Province, recently we organized three branches of the People’s Bank of China branch in Wuhan, including the banking administration of Huangpu, Xiangfan and Suizhou, as well as provincial financial institutions