国家经济持续增长的拉动力量主要是投资,消费和出口。今年固定资产投资和净出口预计会明显回落,因此经济增长动力会更多依赖消费。不断扩大内需,应该是拉动经济增长的有效手段,发展消费市场需要银行的信贷支持。 一、我国消费信贷开展的情况 我国消费信贷及消费市场尚处在初级阶段。随着近年实施“扩大内需”的政策,消费信贷增幅较快,但到目前为止仍 The driving force for sustained national economic growth is mainly investment, consumption and exports. This year, investment in fixed assets and net exports are expected to be significantly reduced, so the driving force of economic growth will be more dependent on consumption. Constantly expanding domestic demand should be an effective means of stimulating economic growth. Developing consumer markets requires the bank’s credit support. First, the situation of China’s consumer credit development China’s consumer credit and consumer market is still in its infancy. With the implementation of the policy of “expanding domestic demand” in recent years, consumption credit has risen rapidly, but so far