试析制约我国消费信贷发展的因素及抒解对策

State on the Restricting Elements of Consumer Credit Development in China and Express the Strategies

我国消费信贷发展起步较晚,尚处于初级阶段,受到消费观念、信用、贷款条件及手续、风险防范机制、社会保障制度、收入水平等多方面因素的制约。要促进我国消费信贷发展应建立健全社会保障体系,建立个人信用信息网络平台,建立消费信贷风险防范机制,提高居民收入水平并增强其对预期收入的信心。

Consumer credit started late in Chin a,which still remains in primary sta ge and is restricted by consumer concept,redit,loan terms and forma lities,risk precaution system,social security system,level of income and the other elements.In order to accelera te the development of consumer credi t,Chinese government should amplify social security system,set up net flat roof for the personal credit information,establish risk precaution system f or consumer credit,improve the residents level of income,and strengthen their conf idence in prospecting income.