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. 允许有条件的商业银行经批准开办消费信贷业务，鼓励商业银行试办一些消费贷款的新品种。
Support the development of individual housing consumption and steady consumer automobile loans, prohibit the issuance of non-earmarked personal consumption loans. 支持稳步发展个人住房消费和汽车消费贷款，严禁发放个人无指定用途消费贷款。
Information asymmetry is the source of consumer loan credit risks. 信息不对称是消费信贷信用风险产生的根源。
Next, analyze the restrictive factor of personal consumption credit. 其次分析国内个人消费信贷业务的制约因素。
