After Chinas entry of WTO, individual consumption loan looks on a huge development prospective.

我国加入WTO后，个人消费信贷业务发展前景巨大。

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At the same time the market interest rate fluctuations also have great impact on the personal housing consumption loan.

同时市场利率的波动对个人住房消费贷款也有重要的影响。

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Although auto consumption loan is insured by performance bond of the insurance companies, the risks still exist and emerge to a great extent.

汽车消费贷款虽然大多数有保险公司的履约保证保险，但风险仍然在很大程度上存在，并日趋显现出来。

youdao

Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.

这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率

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