对于大多数中国人来说,消费信贷还是一个不太熟悉的事物。自中国人民银行发布《关于开展个人消费信贷指导意见》以来,在舆论宣传的调动下,消费信贷渐渐进入广大居民,特别是城市居民的视野和思想之内。于是驻足观望者有之,摇头而不屑一顾者有之,盘算着需求、收入和还贷能力者有之,积极地借助于消费信贷提前改善生活者也有之。看来,要使广大居民接受并参与消费信贷,还需要研究和解决一些具体问题。 For most Chinese people, consumer credit is still a less familiar thing. Since the People’s Bank of China released the Guiding Opinions on Carrying Out Personal Consumer Credit, consumer credit has gradually entered the perspectives and thoughts of the vast majority of residents, especially urban residents, under the mobilization of media publicity. So stop the wait and see there, shake their heads and disdain those who have calculated the demand, income and repayment ability of those who actively contribute to the improvement of life by means of consumer credit in advance. It seems that to enable the general public to accept and participate in consumer credit, we also need to study and solve some specific problems.