目前我国商业银行开办的个人消费贷款有个人大额耐用消费品贷款、个人助学贷款、个人旅游贷款、个人汽车消费贷款、个人楼宇按揭贷款、家庭装修贷款、个人医疗贷款、婚嫁贷款等八大类,涉及个人和家庭现代生活消费的主要方面。我国商业银行是否能够做到在扩大消费信贷规模的同时有效降低信贷风险,将关系到我国商业银行在未来的盈利能力和竞争地位的确定。 At present, personal consumer loans offered by commercial banks in China include eight major categories of consumer durable goods loans, personal student loans, personal travel loans, personal automobile consumer loans, personal building mortgage loans, home improvement loans, personal medical loans and marriage loans. Main aspects of the consumption of modern life involving individuals and families. Whether China’s commercial banks can effectively reduce the credit risk while expanding the scale of consumer credit will affect the determination of China’s commercial banks’ profitability and competitive position in the future.