发展消费信贷是我国商业银行经营的新增长点陶士贵（中国人民银行连云港分行，江苏连云港２２０００２）张耀辉（辽宁工程技术大学工商管理学院）在国家为扩大内需，拉动经济增长，加大固定资产投资的同时，消费信贷已悄悄走进我们的生活，成为近期大家提及的热门话题，其... Development of consumer credit is a new growth point for commercial banks in China. Tao Shigui (Lianyungang Branch, People’s Bank of China, Lianyungang 220002, China) Zhang Yaohui (College of Business Administration, Liaoning Technical University) In order to expand domestic demand, boost economic growth and increase investment in fixed assets At the same time, consumer credit has quietly walked into our lives and has become a hot topic mentioned by everyone recently.