海南省银行发展个人消费信贷及其对策

发展消费信贷启动消费可以拉动经济增长,但海南省由于银行运作机制有缺陷、风险防范机制不健全、不良资产居高不下、消费收入增长减缓、预期支出增加及宏观环境等问题的制约,其消费信贷发展缓慢.为此,政府应大力发展经济、提高居民收入,银行要积极推进消费信贷,并营造其良好的环境,消费信贷就能发展起来.

Problems of Developing Personal Consumption Credit in the Banks of Hainan and Countermeasures

The development of consumption credit can promote the economic increase. However, it seems developed slowly in Hainan, because there exit some problems in the banks of Hainan such as imperfect bank operation system and risk mechanism, higher undesirable loan, decrease of consumption income, increase of hoped-for income and macroscopic circumstances and so on. Therefore, the government should devote major efforts to developing economy and increase the income of residents, and the banks should also actively push forward the consumption credit and offer the better conditions. Only in this way can the consumption credit be well developed.