Capable commercial banks will be permitted to offer consumer credit,and will be encouraged to provide some new consumer loan products on a trial basis. 允許有條件的商業銀行經批准開辦消費信貸業務，鼓勵商業銀行試辦一些消費貸款的新品種。
Support the development of individual housing consumption and steady consumer automobile loans, prohibit the issuance of non-earmarked personal consumption loans. 支持穩步發展個人住房消費和汽車消費貸款，嚴禁發放個人無指定用途消費貸款。
Information asymmetry is the source of consumer loan credit risks. 信息不對稱是消費信貸信用風險產生的根源。
Next, analyze the restrictive factor of personal consumption credit. 其次分析國內個人消費信貸業務的制約因素。
