个人消费信贷与地区经济协调发展

Consumer Credit and Regional Economic Development

本文侧重研究个人消费信贷对中国地区经济协调发展的影响,系统总结了中国近年个人消费信贷政策的发展实践和总体取向,深入分析了个人消费信贷在促进中国地区经济差异发展变化方面的影响和作用,在认真剖析当前中国经济欠发达地区发展个人消费信贷面临的困难和机遇的基础上,提出了促进欠发达地区消费信贷业务发展的政策建议,并强调要充分发挥好消费信贷政策的积极作用,防止因消费信贷业务发展进一步拉大中国地区经济发展差距,努力实现中国区域经济协调发展。

This paper mainly analyses the impacts of consumer credit policy on the regional economic development. The authors review the practices of the consumer credit in recent years and then discuses the effective roles of consumer credit policy in promoting the regional economic developments. Finally, based on the analysis of the challenges and opportunities faced by the less developed regions, some policies for encouraging the development of consumer credit in less developed regions are put forward.