Question

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近年来，我国为扩大内需，消费信贷作为一项重要措施推出。根据我国消费信贷的现状，从银行角度分析了制约消费信贷发展的重要因素——即在发放信贷过程中会遭遇或可能遭遇的各类风险，同时提出了减轻银行消费信贷风险的对策。由于中国尚未建立完善的个人信用机制、个人经济行为尚不规范，加之个人消费信贷开办的时间不长，尚没有多少成功的经验可以借鉴，本文又以西方发达国家消费信贷为比较作出了分析。
本文整理了国内外消费信贷的发展状况，可看出我国发展消费信贷的紧迫性，在我国消费信贷紧迫发展的同时存在着许多影响因素，找出这些影响因素做出相应的防范对策，本文研究的是我国消费信贷的风险与防范，以奎屯地区商业银行消费信贷为例作为研究对象。

Answer 1

For the past few years,consumer credit services is launched as a significant measure to expand the domestic demand.Based on the current situation,the paper makes an analysis on the critical factors restricting the consumer credit services' development,namely all risks encountered or might be encountered during the credit granting, from a bank's point of view,and puts forward some countermeasures to reduc the risks.As there is no sophisticated personal credit mechanism in China,no regulations on personal economic behaviors and the short launching time,there's little successful experience to learn from.Consequently,the paper makes a comparision between the credit services of China and abroad.
The paper indicates the urgency of China's developing the consumer credit services and many factors that may affect along with the process.It researches on the risks and precautions which is important.It sets the consumer credit services of commercial banks in Kuitun as the object of study.

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Answer 2

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近年来，我国为扩大内需，消费信贷作为一项重要措施推出。根据我国消费信贷的现状，从银行角度分析了制约消费信贷发展的重要因素——即在发放信贷过程中会遭遇或可能遭遇的各类风险，同时提出了减轻银行消费信贷风险的对策。由于中国尚未建立完善的个人信用机制、个人经济行为尚不规范，加之个人消费信贷开办的时间不长，尚没有多少成功的经验可以借鉴，本文又以西方发达国家消费信贷为比较作出了分析。In recent years, for expanding the domestic demand, our country has come up with the consumption credit as an important measure. According to China's consumption credit situation, to analyze the important factors limiting the development of consumption credit in the angle of banks, namely in their lending process will encounter or may encounter various of risks, and put forward the countermeasures for reducing the risk of consumption credit. Because China has not been set up perfect personal credit system, and the personal economic behavior is not standard, plus the not long time of personal consumption credit, no successful experience for reference, this paper compares the consumption credit of developed countries to make analysis.
本文整理了国内外消费信贷的发展状况，可看出我国发展消费信贷的紧迫性，在我国消费信贷紧迫发展的同时存在着许多影响因素，找出这些影响因素做出相应的防范对策，本文研究的是我国消费信贷的风险与防范，以奎屯地区商业银行消费信贷为例作为研究对象。
This paper review the development situation of domestic and foreign consumption credit, we could see the urgency of consumption credit in China, and there are many affecting factors while the urgent developing of the consumption credit in our country; it finds out these factors to make the corresponding preventive measure. What this paper discusses is the risk and the precaution for the consumption credit in our country, it makes the consumption credit of commercial banks in Kuitun region as cases and studies them.

Answer 3

In recent years, our country for expanding domestic demand, consumer credit as an important measures launched. According to China's consumer credit situation, analyzed the restriction from bank of consumer credit development important factors, namely in their lending process or may encounter will encounter various kinds of risks, and put forward the consumer credit risk reduce bank countermeasures. Because China has not been set up perfect personal credit system, personal economic behavior is not standard, plus personal consumption credit open time is not long, still don't have much successful experience for reference, this paper and can be developed western countries for comparing consumption credit made analysis. We review the development situation of domestic and foreign consumer credit development in our country, we can see the urgency of consumer credit in China, the development of consumer credit pressing exist many influencing factors, find these factors makes the corresponding preventive measures, and this paper is China's consumer credit risk and prevention KuiTun regional commercial Banks, to consumer credit, for example as a grind

Answer 4

In recent years, our country for expanding domestic demand, consumer credit as an important measures launched. According to China's consumer credit situation, analyzed the restriction from bank of consumer credit development important factors, namely in their lending process or may encounter will encounter various kinds of risks, and put forward the consumer credit risk reduce bank countermeasures. Because China has not been set up perfect personal credit system, personal economic behavior is not standard, plus personal consumption credit open time is not long, still don't have much successful experience for reference, this paper and can be developed western countries for comparing consumption credit made analysis.
We review the development situation of domestic and foreign consumer credit development in our country, we can see the urgency of consumer credit in China, the development of consumer credit pressing exist many influencing factors, find these factors makes the corresponding preventive measures, and this paper is China's consumer credit risk and prevention KuiTun regional commercial Banks, to consumer credit, for example as the research object.