1998年以来由于亚洲金融危机的影响,我国经济增长速度减缓,国内消费需求、非国有经济投资需求和国外需求疲软同时出现.为了扩大内需,开拓国内市场,国家相继出台了一系列积极的财政和货币政策.中国人民银行近日也发布了《关于开展个人消费信贷的指导意见》,以期增加消费信贷,刺激消费,活跃市场,推动国民经济增长. Since 1998, due to the impact of the Asian financial crisis, China’s economic growth has slowed down, and domestic consumption demand, investment in non-state-owned economy and weak foreign demand have emerged at the same time. In order to expand domestic demand and open up the domestic market, the state has successively promulgated a series of positive fiscal and Monetary Policy The People’s Bank of China has also released the Guiding Opinions on Carrying Out Personal Consumption Credit recently with a view to increasing consumer credit, stimulating consumption, boosting the market and promoting national economic growth.