借鉴国外经验,发展我国消费信贷的探讨-区域经济学专业论文.docxVIP

Y《!舳I Y《!舳I 9 内容提要 消费信贷是把消费者的潜在需求转变为有效需求的重要途径，它对扩大 内需，保持国民经济持续稳定增长具有十分重要作用。在我国消费信贷尚属 起步阶段，为促进消费信贷健康有序发展，政府陆续出台了一系列政策措施， 旨在将消费信贷作为新的经济增长点。陋是，实际效果并不理想，从全国范 围讲，绝大多数消费者对消费信贷持观望态度，信用消费还处于“叫好不叫 座”的状态厂筚竟我国银行业开展消费信贷业务才刚刚起步，而在这方面， 世界上许多国家和地区己取得了相当成熟的经验。因此本文试图在分析借鉴 发达国家地区开展消费信贷业务的成功经验的基础上，对照我国的现状，分 析我国发展消费信贷目前存在的主要障碍，提出相应的建议和对策。 R文第一章消费信贷的一般理论，在对消费信贷基本概念的分析与关 于消费信贷需求的经济学理论回顾的基础上，结合我国实际情况提出当前在 我国开展消费信贷的三方面作用：第二章 国外消费信贷发展及其经验借鉴， 从发达国家消费信贷迅速发展的原因、消费信贷的具体运作方式以及消费信 贷的风险防范，消费信贷营销方式等方面进行考察，指出消费信贷普及和推 广的前提条件；第三章我国消费信贷发展现状及其制约因素在分析消费信 贷发展的现状的基础上，对照国际消费信贷发展的情况，分析了我国发展消 费信贷存在的制约因素，得出关于我国消费信贷发展的几点基本判断；第四 章发展我国消费信贷的建议从培育社会信用制度，建立社会金融体制，健 全法律法规和发挥政府作用四方面提出了建议。 1—7／。 关键词：消嚣消费信贷／消费信贷需求，个人信用体系 ABSTRACTConsumption ABSTRACT Consumption credit，an important form of modern credit，plays a significant role in increasing consumption，in expanding domestic needs and in stimulating the development of an economy Since 1 998，Chinese government has carried out a series of policies tO popularize consumption credit in china Howeve r，those policies have not tumed out tO be quite effective in the real market：most consumers have by now been watching and have not come to really embrace the idea of consumption credit By contrast，consumption credit has had a long history in most developed countries and areas，which tend tO have a very developed and huge market of consumption credit So this article borrows from the experiences of those developed countries and areas to scrutinize the current situation and the problems in the way of the enhancement of the consumption credit in China This paper will make an attempt to work oUt some strategies that might ensure the development of a healthy consumption credit market in China Chapter One addresses the concept of consumption credit，gives a review of the demand of consumption cred“theory in economics and analyzes the functions of consumption credit in China today Chapter Two ffaces the development of,and tries to incorporate the experiences of developed countries and