为扩大内需，刺激消费，全国上下已把消费信贷作为启动消费的一项重要举措。然而消费信贷与百姓之间仍有一定难以接近的距离，致使消费信贷“雷声大，雨点稀”。发展消费信贷仅仅依靠银行“一头热”，让银行拿出多少贷款规模，守株待兔等候居民贷款消费，消费信贷恐怕一时还热 In order to expand domestic demand and stimulate consumption, consumer credit has been taken as an important measure to start consumption all over the country. However, there is still some unacceptable distance between consumer credit and people, resulting in consumer credit “thunder, rain thin.” The development of consumer credit relies solely on the bank “a hot”, let the bank take out how much the loan size, wait for the resident loan consumption, the consumer credit may be temporarily hot