消费信贷是国家消费政策的重要组成部分 ,开办个人消费信贷业务 ,对促进消费 ,扩大内需 ,推动国民经济快速、健康、协调发展具有重要的意义。对金融机构特别是商业银行来讲 ,是调整信贷结构 ,拓展新业务和提高效益的有效途径。为了解金融机构贯彻落实有关消费信贷政策和消费信 Consumer credit is an important part of the national consumption policy. Starting a consumer credit business is of great significance to promoting consumption, expanding domestic demand and promoting rapid, healthy and coordinated development of the national economy. For financial institutions, especially commercial banks, it is an effective way to adjust credit structure, expand new businesses and increase profits. To understand the financial institutions to implement the relevant consumer credit policies and consumer letter