文档介绍：对当前中小城市商业银行消费信贷业务发展问题探讨
摘要:相对于公司类信贷业务,消费信贷具有客户群体广泛、市场潜力巨大、风险小等诸多优点,为此,近年来各商业银行都大力发展具有自身特色的消费信贷业务,并具有了一定的规模。但统计表明,各行消费信贷的规模仍未超过其信贷总规模的10%,有的中小城市商业银行甚至不到1%。但在发达国家消费信贷规模一般占商业银行信贷总额的30%以上,我国香港地区消费信贷约占信贷总额的40%-50%,由此可以看出我国商业银行消费信贷仍处在初级发展阶段。
关键词:中小城市;商业银行;消费信贷;信贷业务
Abstract: Compared to corporate business credit, consumer credit has a broad customer base, market potential, a lot of advantages, such as small risk, for which, in recent mercial banks have to develop unique consumer credit business, and has a certain Scale. However, statistics show that the consumer line of credit has not yet exceeded the size of its credit 10% of the total scale, some small and medium-sized mercial banks and even less than 1%. However, in developed countries, the scale of consumer credit in mercial bank credit accounted for more than 30% of the total, China's Hong Kong consumer credit accounts for about 40% of the total amount of credit -50%, which shows China'mercial banks consumer credit is still
in the initial stages of development .
Key words: small and medium-sized cities; commercial banks; consumer credit; credit business

一、制约中小城市消费信贷业务快速发展的客观障碍

一是根深蒂固的传统消费观念是制约中小城市商业银行消费信贷业务发展的障碍之一。勤俭节约,量入为出是中华民族的传统美德,要在短短几年时间内改变几千年的传统,让全社会接受借贷消费的观念,并不是一件十分容易的事。特别是我国目前的政治经济体制改革使原来的固定工变成了合同工,越来越多长期依赖单位生活的“单位人”变成了“社会人”,失去了心理依靠的“社会人”失落心理较严重,预期收入下降;社会保障体系改革让居民把积累子女教育基金、医疗养老保险基金等提到议事日程。人们对远期收入下降、消费增加