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　　然er，信yong卡依ran是借dai成本zui高的fang式之yi。目qian，美guo信用ka平均li率已chao过20%，jie近历shi高点，而一xie零售ka的年li率甚zhi更高。PJ78FDHSJSSJK66F1KE　　congzhengcemianlaikan，chulehuobizhengcewai，caizhengzhengceyejianggengjiajiji。muqiantuichude10wanyihuazhaijihuajiangyouxiaohuajiedifangzhaifengxian，jianqingdifangzhengfudecaizhengyali，shiqinenggoutourugengduojinglihezijingaishanminsheng。xiayibu，zhongyangyouwangtongguofaxingguozhaitigaochizilv，choucuogengduozijinzhijieladongtouzihexiaofei。jinqi，fagaiweikuodaleyijiuhuanxindefanwei，jiangshouji、pingban、zhinengshoubiao、shouhuandengshumachanpinnaruqizhong，tongguoyijiuhuanxinqiaodongshangwanyidexiaofeishichang，tuidongshebeigengxinhexiaofeizengchang，beichengwei“liangxinzhengce”，weilaihaijiangjixushishi。xiaofeishidaidongjingjizengchangdezhongyaofangmian，qiduijingjizengchangdegongxianyichaoguotouzihechukoudezonghe。qunian12yuedezhongyangjingjigongzuohuiyitichulejiudarenwu，qizhongshouyaorenwushitizhenxiaofeihetigaotouzixiaoyi，quanfangweiladongguoneixuqiu。ladongxuqiushihuajiechannengguoshengdezhongyaoshouduan，yeshiyingduitelangpushangtaihoukenengyinfademaoyimocadezhongyaofangmian。chule“liangxinzhengce”，haiyou“liangzhongzhengce”，jiguojiazhongdazhanlveshishihezhongdianlingyuanquannenglijianshe。tongguocaizhenghejinrongzhengce，bangzhuqiyegengxinlaojiushebei，tigaoshengchanxiaolvhezhiliang，tongshigulixiaofeizhegengxinshebei，kuodashichangxuqiu。zhengcedeshishiyouxiaojifaleneixuqianli，cujinlejingjigaozhiliangfazhan。yinci，zhengcemianweilairengranzhideqidai。。

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