试论发展消费信贷及重点选择

On Developing Consumption Credit and Focus Selection

消费信贷作为一项新兴银行业务 ,在我国发展有着极其重要的现实意义。消费信贷的主体是消费者和金融机构 ,政府则要做好行为规则的制定和实施工作。在消费信贷的重点选择上 ,农村以耐用消费品、文化教育等为重点 ,城市应以住房、教育、旅游等为重点 ,但其前提是要解决预期净收入下降 ,现期收入水平不高从而导致偿债能力不足与相应商品或服务需求显著增强的矛盾 ;解决问题的根本的出路是采取有力措施增加城乡居民的收入 ,完善各项配套制度。

As a new business of bank in China, consumption credit is of important realistic meaning. Its main part is consumers and financial institutions and the government should see to the establishment and execution of behavioral regulations. The focus for villages should be durable commodities and cultural education and for cities, housing, education and tourism, with the prerequisite of solving the contradiction between expected reduction of net income and the current low payment and the obvious increase in the demand for commodities and service, which lies in effectively increasing the income of citizens and improving corresponding regulations.