消费信贷配给及其消除——从新凯恩斯主义经济学的角度

Consumption Loan Rationing and Elimination

本文对消费信贷约束和消费信贷配给进行了界定 ,从经济学角度研究了消费信贷配给的表现 ,用模型分析了消费信贷配给的结果 ,认为我国之所以产生消费信贷配给是信用制度的不健全所造成的 ,最后提出了消除我国信贷配给的政策建议。

This article defines the consumption loan constraint and the consumption loan rationing,examines the manifestation of the consumption rationing from the angle of economics,analyses the result of the consumption rationing with a model,and finally puts forward the policy proposals to eliminate China’s consumption loan rationing.This article holds that the cause of China’s consumption loan rationing is due to the unhealthy credit system.