On China's Banking Consumer Credit

Consumption Credit Can transform income in consumption fuction into permanent one from the current income ,thus loosing consumers?floating bounds, doubly broadening current consumption and promoting economic increase .The article makes a systematic exposition of the relationships between Consumption credit. Economic increase and bank benefits starting with analyzing the pulling effect on economics from the point of consumption credit with current economics slowing down, it has practical significance for our national economics to develop consumption credit business .Join W T 0 will expedite the development of consumption credit business. Our national consumption credit has already started on a large scale. But because of the restrictions of backwardness of ideals, income level., current polities, environment, people's supporting abilities, income and expenses expectations; and because of the imperfections of systems. lacknesses of financial wags and medium institutions, our consumption credit business is still in incubation period for a long time. The main train of thought of our consumption credit business is: refresh conceptions ;modify inhabitants, expectations; organize personal file, standardize personal management; ampfily the systems of consumption credit mortgage and guarantees; perfect consumption credit and medium systems; broaden consumption credit ways; optimize consumption credit developing environment; popularize credit card consumption; especially promote the consumption credit business of lodging, financial aid to students and automible.