1998年至今,人民银行总行已相继出台18项主要政策推动消费信贷发展,用以促进消费和优化信贷资产结构。但据我行调查,湖南的消费信贷发展并不理想,其实施效果也远未达到当初的预期。如何进一步扩大消费信贷确实已成为我省金融经济领域中一个十分重要的课题。 Since 1998, the PBC Head Office has successively issued 18 major policies to promote the development of consumer credit to promote consumption and optimize the structure of credit assets. However, according to our investigation, the development of consumer credit in Hunan is not satisfactory and its implementation effect is far from expected. How to further expand consumer credit has indeed become a very important issue in the financial and economic field in our province.