我国消费信用现状及存在问题研究

Research on Problems and Realities of Consumer Credit in China

近些年,随着我国各种消费信用业务的迅速发展,消费信用规模不断扩大,在消费者方面、商业银行和信用机构方面以及社会环境方面存在的发展障碍逐渐显露出来,而银行信贷管理中的制度缺陷、与消费贷款相关的法律不健全、市场操作的不安全性等问题亦进一步凸显。我国应加快构建并不断完善消费信用体系,努力提升公民的消费信用意识,强化法律与政府的作用,实施消费信用保证保险制度,以促使我国国民经济健康全面发展。

In recent years, rapid development and increasing size of consumer credit in China have brought some development barriers in consumers, banks, credit institutions and social environment along with problems in system deficiency of credit management of banks, rel-evant laws to be improved and operation security. China should seek to improve the consumer credit system, raise public awareness of con-sumer credit, make laws and government bodies play their part and put in place the insurance system of consumer credit to promote an overall healthy economic growth in China.