个人消费信贷是以提高居民生活水平和质量为目的,用居民未来收入作担保,由金融机构向个人提供的贷款。通俗地讲,就是消费者借助银行的力量,“用明天的钱圆今天的梦”。近两年来我国个人消费信贷业务发展非常快,据人民银行最新统计资料,2001年个人消费信贷增加2755亿元,同比多增160亿元,增加额占当年贷款增加额的21.33%。到2001年12月末,全国金融机构个人消费 Personal consumer credit is to improve the living standards and quality of residents for the purpose, with the future income of residents as a guarantee, by the financial institutions to individuals to provide loans. In short, consumers are using the power of banks, “tomorrow’s money today’s dream ”. In the recent two years, the personal consumer credit business in our country has developed very fast. According to the latest statistics from the People’s Bank of China, personal consumer credit increased by 275.5 billion yuan in 2001, an increase of 16 billion yuan more than that of the same period of last year. The increase accounted for 21.33% of the increase of loans in that year. By the end of December 2001, personal financial institutions nationwide spent