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我们上海市分行个人（非住房）消费信贷业务始于国家实施扩大内需、刺激消费、拉动经济增长的战略举措之时，并随着这一政策效应的凸显，逐步发展壮大，不仅成为促进国民经济持续发展的有效途径，同时亦成为优化信贷结构、提高信贷资产质量、提高商业银行经济效益新的增长点
The personal credit (non-housing) consumer credit business in Shanghai Branch of our Shanghai branch started when the state implemented the strategic measures of expanding domestic demand, stimulating consumption and stimulating economic growth. With the prominence of this policy effect, it gradually developed and expanded, not only becoming a catalyst for promoting the national economy An effective way for sustainable development, but also become a new growth point for optimizing the credit structure, improving the quality of credit assets and improving the economic efficiency of commercial banks