（毕业设计论文）《信用消费发展统计及影响因素研究》.doc

PAGE \* MERGEFORMAT 24 精品 精品 摘要 现阶段我国正面临着加快产业结构调整，转变经济增长方式，而扩大内需，促进消费是解决当前转变经济增长模式的唯一出路。信用消费作为一种新的消费模式，他不但可以让居民提前享受消费，还对扩大消费，拉动内需，促进经济的良性发展具有重要的作用。因此研究信用消费发展状况和影响因素具有重要意义。本文查阅相关文献资料，从信用消费的相关理论和指标体系入手，先对信用消费发展做描述性统计分析了解我国信用发展现状，再对信用消费发展做主成分分析，计算综合主成分；通过对综合主成分和影响因素指标作回归分析，得到回归方程。因此，从宏观政策调控，建立完善的法律体系和社会信用制度，微观层面，加快居民信用消费观念转变，优化银行信贷产品，对于促进信用消费具有重要意义。 关键词：信用消费；指标体系；影响因素 ABSTRACT Our country is facing to speed up industrial restructuring at this stage,Transform- -ation of economic growth, and expansion of domestic demand and promoting consu- -mption of a solution to the transformation of economic growth mode is the only way out. Consumer credit as a new consumption patterns, it not only can let residents enjo- -y spending ahead of time, but also expand consumption and stimulate domestic dem- -and and promote the sound development of the economy .it plays an important role. Therefore, the development of consumer credit conditions and factors are of great.Si- -gnificance. This access to relevant literature, from the theory of consumer credit and index system to start, first according to the descriptive statistical analysis of the devel- -opment of consumer credit to understand the development of credit status, and then calling the shots on the development of credit consumption component analysis, calc- -ulation of principal components integrated; through integrated principal components and influencing factors for the regression analysis, the regression equation. Therefore, a macro-economic control policy, establish a sound legal system and social credit sys- -tem, the micro level, changes in consumer attitudes to speed up the residents of credit, bank credit products optimized for the promotion of consumer credit is very impor- -tant. Keywords：Credit consumption ;Index system ;Factors 目录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc295248221 1 绪论 PAGEREF _Toc295248221 \h 1 HYPERLINK \l _Toc295248222 1.1研究背景 PAGEREF _Toc295248222 \h 1 HYPERLINK \l _Toc295248223 1.2研究的意义与