金融资源配置状况对居民消费率的影响

The Impact of Financial Resources Allocation on Household Consumption Rate

本文在阐述金融资源配置影响居民消费机理的基础上,对金融资源配置状况之于我国居民消费率的影响进行了实证检验,结果显示:在我国投资占比较大、消费占比较小的经济结构下,金融体系更趋市场化的变革反而会降低消费率;随着农村居民消费倾向的上升,未来的金融资源应更多地流向农村;我国消费信贷的发展存在偏差,应更多支持消费。

Based on the mechanism of financial resources allocation affecting household consumption , this paper carries out an empirical test on the influence of the financial resources allocation on China ′s household consumption rate .It is shown that, in the economic structure of our country , which is characterized by a higher proportion of investment and a lower proportion of consumption , the market-oriented reform of financial system will reduce the consumption rate;with the rising consumption propensity of rural residents , the financial resources should be more directed to rural areas in the future;there is bias in development of consumption credit in our country , and consumption should gain more support .