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河北沧州建行迟枫撰文认为：单凭某个银行的举措就真正把个人贷款风风火火地搞起来是难以实现的。真正激活个人贷款。还需要国家统筹规划，进一步发挥积极财政政策的作用，包括在财政支出和税收方面进行一些调整。《人民日报》一篇文章指出：力求让消费信贷覆盖更广大的人群，
Hebei Cangzhou Jiashi late Feng wrote that: a bank’s move alone to truly personal loans upstart is difficult to achieve. Really activate personal loans. It also requires the state to make overall plans and further play the role of an active fiscal policy, including making some adjustments in fiscal expenditure and taxation. An article in People’s Daily pointed out: In order to make consumer credit cover a wider crowd,