为积极有效地推动个人消费信贷业务的发展 ,建议 :1 调整和完善消费信贷政策。商业银行在防范风险的前提下 ,应根据消费信贷的品种和期限 ,在居民可接受的幅度内 ,合理确定贷款授信额度和贷款利率水平 ,充分发挥利率杠杆的作用 ,保证商业银行在消费信贷业务中获取一定的收益率 In order to actively and effectively promote the development of personal consumer credit business, we suggest that: 1) Adjust and improve the consumer credit policy. Under the precondition of preventing risks, commercial banks should reasonably determine loan credit line and loan interest rate within the range acceptable to residents according to the varieties and deadlines of consumer credit, give full play to the role of interest rate levers, and ensure that commercial banks play a leading role in consumer credit business In a certain rate of return