西方消费信贷与消费需求述评及其引申

Western Review on the Consumer Credit and Consumer Demand and Its Extension

西方消费及消费信贷理论发展相对成熟,除了以绝对收入和相对收入等具有代表性的古典消费理论外,自20世纪80年代以来又有学者陆续研究提出了随机游走、预防性储蓄及流动性约束性理论,并对上述理论进行了实证检验;此外,还从消费信贷与消费增长、信用约束与消费信贷以及消费增长等方面对消费信贷的效应进行了系统研究。

The theory of consumption and consumer credit has been studied in developed countries, which is relatively well-developed. Besides classical consumption hypotheses such as absolute income and relative income theo- ries, there come stochastic walk, precautionary savings and liquidity constraints hypothesis which have been empirical tested since 1980s. The effect of consumer credit has also been systematic studied on the relationships between consumer credit and consumption growth, those of credit constrain and consumer credit as well as consumption growth.