就我国目前而言,消费信贷主要涉及汽车、住房、医疗、入学、旅游等一些领域内的消费贷款。其中汽车及住房消费信贷占主要方面,且是现今的消费热点。然而,进入2004年,由于汽车贷款坏账的不断提升,国家通过宏观调控的手段紧缩汽车消费信贷,规定个人贷款购车最低首付从原来的10%升 As far as our country is concerned, consumer credit mainly involves consumer loans in some areas such as automobile, housing, medical care, schooling and tourism. Among them, automobile and housing consumer credit account for the major aspects, and are nowadays consumer hot spots. However, entering into 2004, due to the continuous improvement of the bad debts of automobile loans, the state tightened the automobile consumer credit through the macro-control measures and stipulated that the minimum down payment for personal loans should be reduced from 10%