中国信贷消费的可行性与制约因素

The Feasibility and Constraint Factors of Consumer Credit in China

本文以生命周期理论为依据,利用消费函数的数学模型及我国居民收入与消费数据模拟出我国居民一生的消费、收入、资产路径,从而解释我国居民信贷消费的可能性,并分析制约我国消费信贷发展的因素。

Based on the theory of lifecycle, with the mathematical models of consumption function and the income/consumption data of Chinese residents, this article simulates a lifetime path of consumption, income and asset for Chinese residents. Accordingly, it explores the feasibility of consumer credit for Chinese residents and analyzes the constraint factors against the development of consumer credit.