论消费信贷与扩大内需——以广西为例

The Discussion of Consumer Credit and Enlarging Domestic Demand——GuangXi Example

启动消费信贷可以提高居民边际消费倾向,降低储蓄率,是买方市场条件下促进消费、扩大内需、推动国民经济可持续发展的重要环节。目前,我国特别是欠发达地区的消费信贷存在业务量较少、信贷品种创新不足、潜在风险逐渐显露等问题,对其进一步发展产生了不良影响。应通过完善社会保障体系、提高居民收入水平、完善消费信贷法律环境、加强信贷产品创新等措施促进消费信贷健康发展。

Starting up consumer credit can increase inhabitant＇ s MPC, reduce saving rate. It is an important measurement to promote consumption, enlarge domestic demand and push domestic economy continuous development. Currently, the problems of the shortage of consumer credit, the lack of credit product innovation ,and the latent risk have produced had blight for the development of consumer credit in China especially the poor area. These problems should be settled by improving social security system,, increasing income level, perfecting the laws and rules and promoting credit product innovation.