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消费金融是公认的全世界的金融创新,主要在于建立经济,这使得它构成了银行贷款范围/投资组合的重要部分。在巴基斯坦银行领域,尽管消费者融资范围的发展是一种最新的特别,但是银行开始习惯性地关注放贷的企业部门和公共部门实体。
在过去的5到6年, 巴基斯坦银行的消费者有了一个大幅的增加。这种特别的扩大伴随着了国有银行的私有化,银行的改革带来了SBP的通过以及越来越面向市场，方法主要是在一个巨大的城市消费者基础上通过银行来实现。不管银行是大还是小,国际的或国内的,都是针对在本已竞争激烈的环境下创造的点,即消费者银行的影响,国际银行如渣打银行、花旗银行和荷兰银行(ABN AMRO)展示了他们的信息库以及他们海外的财政主体，这使得他们第一次引进了巴基斯坦的消费产品。

INTRODUCTION

Consumer Finance is a recognized financial invention across the world, mainly in established economies, where it constitutes important segment of banks lending range/portfolio. In the Pakistani banking segment, though, the progress of the consumer financing range is a latest experience, as banks have habitually paying attention on lending to the corporate segment and public sector entities.

In the previous 5 to 6 years, consumer banking had an extraordinary expansion in Pakistan. This extraordinary expansion has followed privatization of state-owned banks, banking reforms brought regarding via the SBP and progressively more market oriented approach principally meant by banks at a huge urban consumer base. Whether large banks or small, international or national, all of them is geared towards creation of its spot in an already cutthroat setting which is the effect of consumer banking, international banks such as standard chartered, Citibank and ABN AMRO have the hold up of the information base and finances of their overseas principals which is made them first to bring in consumer products in Pakistan.

UBL, HBL and MCB were the recently privatized banks which have engaged in consumer financing actions not only in big cities but also smaller ones too. Due to their massive branch set-up they generated high volumes of dealing but also at the identical time reducing the prices of their products and services they offer. In year 2002, HBL's consumer banking range was value less than a billion rupees but at the end of year 2004, it is value 17 billion.

A set of factors is accountable for the extensive attractiveness of consumer finance in recent years: the financial liberalization progression over the previous decade or so, has led to the formation of a banking system which is mostly owned and operated by the private segment. Secondly, the invasion of liquidity in the banking segment from fiscal year 2002, forced banks to diversify and enlarge their income base by venturing into formerly untouched areas and third, the easy monetary procedure attitude of the SBP from 2002 to 2005 provided appropriate customers with financing options at little rate to meet up their consumption demand.

Under the supervision of the State Bank of Pakistan, all banks and DFI's work. State bank of Pakistan divided the operations of the banks into four main segments which is Corporate, agriculture, SME and consumer. All those banks which operate in Pakistan should follow the regulation made by the state bank of Pakistan.

Problem definition:

In a very little time span of consumer banking in Pakistan, it has made an outstanding progress and performed a very positive role in boosting our economy and also in meeting the needs and necessities of the customers. Whether large banks or small, international or national, all of them is geared towards creati