2000年3月全国人民代表大会九届三次会议政府工作报告指出,今年的工作重点是调整产业及经济结构,同时以消费需求来启动、扩大投资,推动经济发展。还特意指出用消费信贷来刺激国内需求。可见,目前我国发展消费信贷的紧迫性和重要性。    自1997年以来,我国各商业银行开始积 According to the government work report of the third plenary session of the Ninth National People’s Congress held in March 2000, the focus of this year’s work is to adjust industries and economic structure while starting with consumer demand, expanding investment and promoting economic development. It also specifically states that consumer credit is used to stimulate domestic demand. Obviously, the urgency and importance of developing consumer credit in our country at present. Since 1997, all commercial banks in China have begun to plot