加快消费信贷市场的发展

Speed up the Development of China's Consumer Credit Market

消费信贷作为一种新的消费形式 ,能有效刺激消费 ,扩大内需 ,完善货币政策传导机制 ,化解金融风险 ,提高人民生活水平。但其发展受到多种因素的制约 ,应通过加大宣传力度 ,转变消费观念 ;选择特定消费群体作为开拓市场的突破口 ;完善个人信用制度 ;加速相应的保险服务的配套 ;完善担保制度等措施加快消费信贷的发展。

Consumer credit is a new form of consumption, which can stimulate consumption effectively, expand domestic demand, perfect the conductive mechanism of monetary policy, eliminate the financial risks, and improve the standard of living. But the development of China's Consumer credit is restricted by many factors. To speed it up, we should strengthen the propaganda, change the consumption concept, select the specific consumer group as the breakthrough point of the market, perfect the individual credit institution, quicken corresponding security service, and perfect the guarantee institution.