经济转型环境下银行消费信贷业务创新与发展的思考  

Thinking of Bank Consumer Credit Business Innovation and Development Under the Economic Restructuring Environment

作　　者：贾静[1] 贾欣[2] 

机构地区：[1]中国建设银行股份有限公司淄博分行,山东淄博250000 [2]山东外贸职业学院,山东青岛266100

出　　处：《现代工业经济和信息化》2015年第4期8-9,31,共3页Modern Industrial Economy and Informationization

摘　　要：文章从我国宏观经济发展为消费信贷业务的发展提供了重要的战略机遇、当前消费信贷创新发展面临的主要问题、加快消费信贷业务创新发展的基本途径三个方面,重点从微观层面探讨了如何切实提升银行开展消费信贷业务水平的途径。结合经济转型期我国银行业面临的经营环境的变化,对当前银行消费信贷创新发展存在的问题进行了分析。This paper discusses three aspects：development of China＇s macro-economic development provides an important strategic opportunities for the consumer credit business, the main problem of the development of innovation of consumer credit,the basic way to speed up the development of consumer credit business.This paper focus on how to improve the banks consumer credit business level effectively at the micro level.Combined with changes of business environment of Chinas banking industry in the economic transition,the paper analyses the problems that exit in the current development of innovation of consumer credit.

关 键 词：经济转型期 消费信贷 创新发展 

分 类 号：F830.5[经济管理—金融学]