on chinas consumer credit on the status and development proposals（中国消费信贷的现状及发展建议）.docVIP

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on chinas consumer credit on the status and development proposals（中国消费信贷的现状及发展建议）.doc

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on chinas consumer credit on the status and development proposals（中国消费信贷的现状及发展建议）

On China’s consumer credit on the status and development proposals [Abstract] At present, China’s consumer credit is in its infancy, and there is a large gap between the Western developed countries, the article summed up China’s consumer credit in the status quo, based on the analysis of the development of consumer credit in China are facing major problems, and proposed promote the development of China’s consumer credit strategies. [Keywords] consumer credit, the status quo, development; measures First, the status quo of China’s consumer credit Chinese financial institutions in consumer credit late, since 1999 to carry out large-scale individual housing loans, consumer loans other then gradually unfolded so far, all financial institutions to provide the consumer loan business, including: personal housing loans, car loans, education student loans, medical loans, big-ticket consumer durables loans in the loans, consumer loans accounted for the vast majority of long-term. China’s development of consumer credit show the following characteristics: (A variety of consumer credit become increasingly diversified China has basically established a relatively sophisticated system of consumer credit products. All commercial banks to adapt to market changes and growing customer demand, efforts to develop innovative consumer credit products, businesses increasingly rich and complete variety. In addition to housing loans, consumer credit, varieties, there are car loans, student loans, big-ticket consumer durables loans, personal overdrafts and other loans, credit cards, basically covering all the different customer groups, consumer demand. (Two consumer credit in China has just begun, progress was slow Characteristics of China’s economy has undergone important changes, from the past to a general shortage of goods, demand-based transition to a seller’s market the vast majority of commodity supply and demand balance or surplus of a buyer’s market in the con