“花明天的钱，圆今天的梦”这种金融机构向家庭或个人提供的消费信贷自１９９９年 ３月中国人民银行总行推出，至２０００年１０月底，盐城市个人消费信贷占总贷款的比重仅为０．８％左右，而西方国家这一比重通常高于２０％。目前消费信贷不旺，除了居民对该贷款的认识程度较 Since the introduction of consumer credit for families or individuals by financial institutions such as “Tomorrow’s Money, Today’s Dream,” launched in March 1999 by the People’s Bank of China, the proportion of personal consumer credit to total loans in Yancheng City as of the end of October 2000 Only about 0.8%, while the proportion of Western countries is usually higher than 20%. At present, consumer credit is not strong except for the residents’ awareness of the loan