摘要:相对于公司类信贷业务,消费信贷具有客户群体广泛、市场潜力巨大、风险小等诸多优点,为此,近年来各商业银行都大力发展具有自身特色的消费信贷业务,并具有了一定的规模。但统计表明,各行消费信贷的规模仍未超过其信贷总规模的10%,有的中小城市商业银行甚至不到1%。但在发达国家消费信贷规模一般占商业银行信贷总额的30%以上,我国香港地区消费信贷约占信贷总额的40%-50%,由此可以看出我国商业银行消费信贷仍处在初级发展阶段。 关键词:中小城市;商业银行;消费信贷;信贷业务 Abstract: Compared to corporate business credit, consumer credit has a broad customer base, market potential, a lot of advantages, such as small risk, for which, in recent years commercial banks have to develop unique consumer credit business, and has a certain Scale. However, statistics show that the consumer line of credit has not yet exceeded the size of its credit 10% of the total scale, some small and medium-sized city commercial banks and even less than 1%. However, in developed countries, the scale of consumer credit in general commercial bank credit accounted for more than 30% of the total, China's Hong Kong consumer credit accounts for about 40% of the total amount of credit -50%, which shows China's commercial banks consumer credit is still in the initial stages of development . Key words: small and medium-sized cities; commercial banks; consumer credit; credit business