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20世纪50年代以来,西方发达国家由银行业引导的金融创新步伐在不断加快,这一过程的结果之一是消费信贷规模的迅速增大,成为商业银行新的盈利点。近年来我国商业银行消费信贷规模也呈明显扩大趋势,要使这一市场健康发展,必须解决它的制度约束。即:保持经济增长和居民收入的稳定预期;加快培育中产阶级和完善社会保障体系;建立社会信用体系和完备的法律制度;推进资本市场的创新。
Since the 1950s, the pace of financial innovation led by banking in the western developed countries has been accelerating. One of the results of this process is the rapid increase of the scale of consumer credit and the new profit-making point of commercial banks. In recent years, the scale of consumer credit in commercial banks in our country has also been obviously expanded. To ensure the healthy development of this market, we must solve its institutional constraints. Namely: to maintain the economic growth and stable income expectations; to speed up the cultivation of the middle class and improve the social security system; establish a social credit system and a complete legal system; and promote capital market innovation.