消费信贷对我国居民消费行为的影响效应探究.docxVIP

消费信贷对我国居民消费行为的影响效应探究摘 要：文章在回顾消费信贷发展的历程上，基于消费信贷理论和消费者行为理论，分析了消费信贷影响消费者行为的理论机制，并运用协整和误差修正模型分析消费信贷对居民消费行为的影响效应，得出居民消费支出的增长主要依赖于居民可支配收入的增加，消费信贷对居民消费支出的影响效应有限，消费信贷的作用远没有得到充分发挥的结论，最后针对现阶段消费信贷出现的问题提出相应的建议。 关键词：消费信贷，消费者行为，居民可支配收入，协整模型AbstractThe paper reviews process of the development of consumer credit consumer credit, based on the theory and consumer behavior theory, the consumer credit mechanism to influence consumer behavior theory and apply Effect cointegration and error correction model analysis of consumer credit consumer behavior , draw consumer spending growth mainly depends on household dis