And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.
目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。
参考来源 - 国家助学贷款中的信用评分方法研究In our country individual firm in the situation which for the daily generalization, the individual consumption credit climbs suddenly, integrates individual bankruptcy the bankruptcy legal framework to become the realistic need.
在我国个人商行为日益普遍化、个人消费信贷急剧攀升的情况下,将个人破产纳入破产法律体系已成为现实需要。
参考来源 - 论自然人破产制度在我国的确立（研究生论文）·2,447,543篇论文数据，部分数据来源于NoteExpress
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。
Chapter Five focuses on consumption credit risk analysis in our market.
第五章分析我国消费信贷风险。
Consumption credit and loans have become a new growth measure for bank credit and loans.
消费信贷已经成为银行信贷一个新的增长点。
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