论现代信用在中国消费活动中的作用.doc

南京工业大学本科生毕业设计（论文） PAGE 24  PAGE III 论现代信用在中国消费活动中的作用 摘 要 现代信用在中国消费活动中的作用作为中国经济制度的重要组成部分，对于中国经济的增长和稳定具有十分重要的作用，一直以来都是经济学家讨论的重点。本文分析了中国目前信用消费的发展情况，剖析其发展缓慢的原因，并在借鉴美国发展信用消费经验的基础上从加强信用体系、改变消费观念、防范金融风险、建立和完善个人信用制度和信用消费的法律与政策环境等角度提出充分发挥现代信用在中国消费活动中作用的对策。 关键词：信用消费 消费观念 风险防范 个人信用制度 法律政策 ABSTRACT ABSTRACT Discussion on the Function of Modern Credit in Chinese Consumer Activities ABSTRACT Modern credit is an important component of Chinese economic system, It plays a crucial role in Chinese economy growth, and it has always been the focus of discussion among economists. This article analyzes the consumer credit in Chinese development situation, analyze the reasons for the slow development., and from the United States in the development of consumer credit on the basis of strengthening the credit system, changing consumer attitudes, guarding against financial risks, establishing and perfecting the personal credit system and the consumer credit law and policy environment perspective to propose a solution on giving full play the function of modern credit in Chinese consumer activities. Key Words：Consumer credit; Consumer attitudes; Risk prevention; Personal Credit System; Legal Policy 南京工业大学本科生毕业设计（论文） 目录  TOC \o 1-2 \h \z \u  HYPERLINK \l _Toc169178263 摘 要  PAGEREF _Toc169178263 \h I  HYPERLINK \l _Toc169178264 ABSTRACT  PAGEREF _Toc169178264 \h II  HYPERLINK \l _Toc169178265 引言  PAGEREF _Toc169178265 \h 1  HYPERLINK \l _Toc169178266 第一章 目前中国信用消费发展的现状  PAGEREF _Toc169178266 \h 2  HYPERLINK \l _Toc169178267 1.1信用消费简介  PAGEREF _Toc169178267 \h 2  HYPERLINK \l _Toc169178268 1.2信用消费立法  PAGEREF _Toc169178268 \h 3  HYPERLINK \l _Toc169178269 1.3信用消费所取得的成绩  PAGEREF _Toc169178269 \h 4  HYPERLINK \l _Toc169178270 1.4信用消费落后的原因  PAGEREF _Toc169178270 \h 6  HYPERLINK \l _Toc169178271 第二章 美国信用消费的经验  PAGEREF _Toc169178271 \h 8  HYPERLINK \l _Toc169178272 2.1美国信用消费体系建立的基础  PAGEREF _Toc169178272 \h 8  HYPERLINK \l _To