消费信贷在我国的发展问题及其对策研究

【作者】 翟珊珊；

【导师】 毛加强；

【作者基本信息】 西北工业大学 ， 马克思主义理论与思想政治教育， 2006， 硕士

【摘要】 消费信贷是经济发展到一定程度,货币信用关系发展到较高水平时,为缓解消费与生产之间的矛盾,使消费增长速度适应生产增长速度而出现的一种金融服务产品。 我国的消费信贷是在改革开放后伴随住房制度改革起步的,1999年3月,中国人民银行下发《关于开展个人消费信贷的指导意见》后,消费信贷才进入全面推广阶段。在我国市场经济运行中,消费信贷作为一种调节手段,对调节消费需求、促进经济稳定增长、改善银行的资产结构起到十分重要的作用。然而,目前我国消费信贷的发展却未尽人意,消费贷款在商业银行的贷款业务中所占比重较小,与发达国家相比差距较大。如何进一步发展我国消费信贷,充分发挥消费信贷的促进作用,这正是我们目前很多经济工作研究的课题之一。 本文主要从消费信贷的需求和供给两方面入手,首先,在马克思主义经济学和现代经济理论的指导下,立足于消费经济有关理论,提出消费信贷发展的理论依据。其次,通过对比国内外消费信贷发展的概况,综合美国、英国、新加坡等发达国家及地区消费信贷迅速发展的原因,指出这些国家和地区发展消费信贷的共同特点,以及可供我国借鉴的成功经验。再次,分析了目前影响我国消费信贷发展的主要制约因素,主要包括:消费者方面、银行和有关机构方面、政策和法律方面、中介机构等方面的制约。然后,在此基础上指出我国进一步推行消费信贷发展的现实意义和有利条件,这主要体现在:农村市场具有较大的消费潜力、商业银行方面具备较大的发展潜力、消费信贷各品种存在着发展空间等。最后,提出发展我国消费信贷的主要对策,主要包括:政府应采取积极鼓励措施创造良好环境、个人信用制度应进一步得到确立和完善、商业银行应完善信贷业务和相关服务、中介机构应积极配合信贷发展等对策建议。 本文主要将规范与实证分析方法结合起来,提出了我国消费信贷有待解决的发展问题,这对于扩大内需、增强消费意识、促进经济增长、化解金融风险、培育新的利润增长点等都具有重要的理论指导帮助和现实意义。更多还原

【Abstract】 Consumer credit is a financial product that emerges to harmonize the conflicts between consumption and production, as the economy developed to a certain stage where the credit system is quite sophisticated and the growth rate of consumption lags behind that of production.Consumer credit in China got off the mark with the introduction of the housing system reform, but it did not came into full-scale implementation until the central bank’s issuance of the Guide for Personal Consumption Credit Operation in March 1999. In our market economy, consumer credit can be an important measure to adjust consumption demand, stabilize the economy and ameliorate the quality of commercial banks’ assets. From experience of the developed countries, the development of consumer credit is beneficial to all the parties-government, banking system and consumers. However, the development of consumer credit of our country is not smooth, the rate of the amount of consumer loan to the amount of total loan is smaller, the gap is large comparing with western developed countries. Then how to deeply develop consumer credit in China and how to give full play to affect of consumer credit, which is a task for our economical workers to research.The paper studies on the factors of demander and supplier restricting the development of consumer credit and analyzed in the present. Based on some related theories of Consumption Economy, this paper analyzes not only the main restricting factors influencing the present development of consumer credit in China, but also the realistic significance and advantage conditions of further practicing consumer credit policy. These are analyzed by comparison of the general situation in consumer credit development in China and abroad, meanwhile combined with the reasons and experience in developed countries and areas, such as American, England, Singapore and so on. Furthermore, the paper points out some restrictive factors, which are the countries, the commercial bank, and the consumer ideas. The paper also puts forward the emphasis and suggestion on further practicing consumer credit policy at the present stage in China, such as the more perfect government policy, the better credit system, the better service of commercial bank, and the action of agency institution.The paper focuses on the developing problem of consumer credit, which isimportant to open consumer market , to accelerate economy increasing, to build up consumer consciousness, to breed new profit point and so on.更多还原