纵观国内消费信贷的发展,有日渐兴旺之势,但是从银行宣传到媒体炒作,似乎给人一种错觉就是:只要消费者有需求,不论是做什么,银行信贷就可以立马奉上。然而实际情况是除普通的楼宇按揭业务外,其他性质的消费贷款与信用贷款都只局限在小范围内开展,并且所设门槛不 Looking at the development of consumer credit in our country, there is a growing trend of prosperity. However, from bank propaganda to media speculation, it seems that giving people the illusion that as long as consumers have needs and no matter what they do, bank credit can be served immediately. However, the actual situation is that ordinary consumer loans and credit loans are only limited to a small area except the ordinary mortgage business and the threshold is not set