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我国消费贷款是金融机构以消费者信用为基础,对个人发放用于购置耐用消费品或支付其他相关服务的贷款。2009年以后银行业的住房贷款、按揭汽车被划分为单独分类贷款科目。与此同时对消费贷款内容进行了重新界定:消费贷款特指用于解决房屋装修、购买家电用品、出国留学、旅游婚庆、通讯服务等方面消费需求的贷款业务。其信用性质属于抵押类贷款,包括住宅抵押贷款、非住房不
China’s consumer loans are loans granted to individuals for purchasing durable consumer goods or other related services on the basis of consumer credit by financial institutions. After 2009, the banking industry’s housing loans, mortgage vehicles are divided into separate classified loan accounts. At the same time, the contents of consumer loans were redefined: consumer loans specifically refers to the loan business used to solve consumer demand for housing decoration, home appliances purchase, study abroad, weddings and weddings, and communication services. Its credit nature belongs to mortgage loans, including residential mortgage loans, non-housing does not