中国商业银行消费信贷的发展对策

制约消费信贷发展的原因是多方面的，主要包括利益机制、经营观念、信贷风险等方面，中国商业银行消费信贷业务的发展，应从推进经济制度改革、转变经营观念，增加消费信贷品种、开发潜在优质客户群，防范信贷风险、构建个人信用体系，建立商业银行内部消费信贷的风险管理体系，实行浮动贷款利率和提前偿还罚息及加强人员培训、提高信贷业务水平几个方面入手。

On the Restrain Factors and Development Countermeasures of Consumer Credit of China's Commercial Bank

The reasons restricting the consumer credit development are including many aspects,such as profit mechanism,operation idea,credit venture,etc.In order to develop the consumer credit operation of China's commercial bank,we should push the economy system reform,change operation idea,increase the consumer credit kind,exploit the potential client group,prevent the credit venture,construct the personal credit system,set up the venture management system of inner consumer credit of commercial bank,implement the floating loan rate,strengthen emplogee grain and improve the level of credit operation.