在大力发展消费信贷以求增加利润时，如何规避个人信用风险已成为商业银行关注的焦点。
With the development of the consumptive credit loan, commercial Banks have to focus on how to avoid personal credit risk and improve efficiency for more profit.
我国加入WTO后，个人消费信贷业务发展前景巨大。
After Chinas entry of WTO, individual consumption loan looks on a huge development prospective.
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