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消费者贷款(也称消费信贷)是银行或其他金融机构以个人或家庭为对象发放的用于购买消费品或支付其他费用的贷款。这种贷款是目前西方商业银行重要的信贷业务之一,也是银行取得利润的重要途径。然而在我国,人们对消费者贷款还很陌生,对消费者贷款的认识也未真正统一,消费者贷款在各家银行的贷款业务中基本上还是空白。因此,如何进一步加深对消费者贷款的认识和了解,探讨我国银行开展消费者贷款的可能性是专业银行向商业银行转变过程中一个极具研究价值的课题。
Consumer loans (also known as consumer loans) are loans that banks or other financial institutions issue for individuals or families to buy consumer goods or pay other fees. This kind of loan is one of the important credit businesses of western commercial banks and an important way for banks to make profits. However, in our country, people are still unfamiliar with the loans to consumers, and there is no real unification of the loans to consumers. The consumer loans are basically still blank in the loan business of various banks. Therefore, how to further deepen the understanding and understanding of consumer loans and explore the possibility that Chinese banks carry out consumer loans is a topic of great research value in the process of professional banks’ transition to commercial banks.