对当前中小城市商业银行消费信贷业务发展问题探讨论文.docVIP

　　对当前中小城市商业银行消费信贷业务发展问题探讨论文 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％.freeler credit has a broad customer base, market potential, a lot of advantages, such as small risk, for ercial banks have to develop unique consumer credit business, and has a certain Scale. Hoer line of credit has not yet exceeded the size of its credit 10% of the total scale, some small and medium-sized city mercial banks and even less than 1%. Hoer credit in general mercial bank c