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空白亟待填补 消费者贷款,即消费信贷,是银行或其他金额机构以个人或家庭为对象发放的用于购买消费品为主要内容的贷款。这种贷款源起于西方商业银行,兴盛于第二次世界大战以后,特别是近十几年来,在西方信用发达国家,其规模之大,发展之快,范围之广,已成为西方商业银行扩大经营,开展竞争,充分运用资金盈利的重要手段。同时,也备受广大消费者青睐。
Blank The urgent need to fill consumer loans, consumer credit, is a personal loan or credit card issued by banks or other agencies for the purchase of consumer goods as the main content of the loan. This type of loan originated from the West Commercial Bank and prospered after the Second World War. Especially in the past decade or so, in the developed western countries, its scale, rapid development and wide range of credit have become the foundation of the West Commercial Bank Expand business, compete, make full use of funds an important means of profit. At the same time, also favored by the vast number of consumers.