发展消费信贷,利用金融机构的信贷手段激活居民消费,是促进消费品和劳务供给增长经济相对过剩时期的金融有效调控方法。但发展消费信贷是各金融机构一项全新的业务,要开展得好,需要找准着力点,措施得当,力度和政策调控到位,需要社会方方面面的共同重视和努力。笔者认为,社会各 The development of consumer credit and the use of credit facilities of financial institutions to activate residential consumption are the effective means of financial regulation and control to promote the relative surplus of the growth in the supply of consumer goods and labor services. However, the development of consumer credit is a brand new business for all financial institutions. To carry out well, we need to make every effort to find the right place, properly handle the measures and control the policies in place. All these require the common attention and efforts of all sectors of society. The author believes that all of society