关于我国的消费信用制度论文.docVIP

PAGE PAGE \* MERGEFORMAT PAGE \* MERGEFORMAT 2 上海应用技术学院继续教育学院 调查课题：关于我国的消费信用现状 学 院： 专 业（层次）： 年 级： 学生姓名： 学 号： 指导老师： 摘要 我国消费信贷1998年才开始起步。消费信贷的开展并不尽人意，与社会良好的意愿形成强烈的反差。其中很重要的一个因素便是个人消费信用制度的缺乏。因此，建立个人消费信用制度对我们来说已经迫在眉睫。我国消费信贷起步很晚，直到1998年，为刺激内需，中央决定加速发展消费信贷，人民银行陆续出台了一系列促进消费信贷的政策。然而，消费信贷的开展并不尽人意，与社会良好的意愿形成强烈的反差。在很多地方，呈现出一种观望咨询多，银行宣传解释多，而实际借款人少的现象。究其原因，除了贷款需求方消费意愿不强，负债消费观念尚未形成等原因之外，其中很重要的一个因素便是个人消费信用制度的缺乏。因此，建立个人消费信用制度对我们来说已经迫在眉睫。 关键词:消费信用制度 信用保证保险 ABSTRACT Chinas consumer credit began to start in 1998. The development of consumer credit and unsatisfactory, with sharp contrast to the social good will. One important factor is the lack of personal consumption credit system. Therefore, the establishment of personal consumption credit system is imminent for us. Consumer credit in China started late, until 1998, to stimulate domestic demand, the central decided to accelerate the development of consumer credit, the peoples bank of China issued a series of policies to promote consumer credit in succession. However, the development of consumer credit and unsatisfactory, with sharp contrast to the social good will. In many places, presents a wait-and-see consultation, the bank explained, and the actual borrowers less phenomenon. Investigate its reason, in addition to loan demand willingness to spend is not strong, the liabilities consumption idea has not been formed, the reason, one important factor is the lack of personal consumption credit system. Therefore, the establishment of personal consumption credit system is imminent for us. Keyword:Credit system of credit guarantee insurance 目 录 TOC \o 1-3 \h \u HYPERLINK \l _Toc8262 摘要 PAGEREF _Toc6479 I PAGEREF _Toc8262 I HYPERLINK \l _Toc64