一、开展消费贷款的必要性 1.经济发展的不平衡需要消费贷款。我国经济发展的不平衡,存在并表现于多方面,如工农之间、城乡之间,即使在工业或农业内部各行业各部门之间、城市或乡村内部、各大小城市、不同乡村地区,也部存在着差异。这些差异又表现为生产结构、收入结构、消费结构的不平衡。消费对生产具有一定的制约作用,消费的需求决定着生产结构,没 First, the need for consumer loans 1. The imbalance in economic development requires consumer loans. The unbalanced economic development in our country exists and is manifested in many aspects, such as among workers and peasants, between urban and rural areas, even among various industries and departments within industry or agriculture, between cities or within villages, between cities of different sizes, in different rural areas, Department there are differences. These differences are reflected in the imbalance of the production structure, income structure and consumption structure. Consumption has a certain restrictive effect on production, and the consumption demand determines the structure of production. No