坚持扩大内需,保持消费需求对经济增长的拉动作用是我国的宏观经济政策。这为我国消费市场持续增长和金融机构大力发展消费信贷业务提供了难得的历史机遇。商业银行应抓住这一机遇,扩大消费信贷业务,调整信贷结构,提高信贷资产质量。我国商业银行消费信贷业务始于90年代后期。 It is our country’s macroeconomic policy to insist on stimulating domestic economic growth by expanding domestic demand and keeping consumer demand. This provides a rare historic opportunity for China’s consumer market to continue to grow and financial institutions vigorously develop consumer credit business. Commercial banks should seize this opportunity to expand consumer credit business, adjust the credit structure and improve the quality of credit assets. China’s commercial bank consumer credit business began in the late 90s.