近年来 ,国家为扩大内需 ,拉动经济增长 ,相继出台了一系列启动个人信贷业务发展的政策措施 ,不仅引导社会公众形成了新的消费观念 ,满足了他们适度超前的消费需要 ,同时 ,也成功地为商业银行拓展信贷品种和进行信贷扩张找到了一条全新、有效的方式。２００１年末 ,全国消费信 In recent years, in order to expand domestic demand and stimulate economic growth, the state has successively promulgated a series of policies and measures to start the development of personal credit business. It not only leads the public to form a new consumption concept that meets their moderately advanced consumption needs, but also succeeds For commercial banks to expand credit varieties and credit expansion to find a new and effective way. The end of 2001, the national consumer letter