基于消费信贷视角下居民生活水平的研究

Demonstration research on residents' living standards based on consumer credit

在对我国个人消费信贷现状简单概括的基础上,通过有信贷条件下的消费函数模型对居民的收入和消费状况进行分析,从而得到结论:合理的消费信贷可以有效提高人们的生活水平,减少由于收入水平差距对居民个人消费的制约,对经济的发展也具有拉动作用.针对消费信贷的发展提出了若干建议.

Based on the brief summary of personal consumer credit, this paper gives the condition of credit to analyze the income and consumption of urban residents by using consumption function model, and comes to the conclusion that reasonable consumer credit could highly improve their living standards, and decrease the constrain of the income gap on personal consumption, also boost the economy.