县域消费信贷对居民消费支出影响研究--以延吉市为例

Research on the Impact of County Consumption Credit on Residents Consumption Expenditure——Take Yanji City as an Example

推广和发展消费信贷可以释放居民消费能力和优化消费结构,成为当前我国促进消费、扩大内需的有效途径,但是相对于发达国家,我国消费信贷市场发展程度较低,尤其县域消费信贷市场发展还有很大的空间。本文对延吉市近15年消费信贷余额对城镇居民消费支出影响进行回归分析研究,可知消费信贷余额可以正向影响城镇居民消费支出,但城镇居民家庭可支配收入对消费支出的影响作用更为明显,并针对研究结果提出优化县域消费信贷发展意见建议。

The promotion and development of consumer credit can release residents’consumption power and optimize consumption structure,and become an effective way for my country to promote consumption and expand domestic demand.However,compared with developed countries,Chinese consumer credit market has a relatively low level of development,especially in counties,there is still a lot of room for the development of consumer credit markets.This paper conducts a regression analysis on the impact of the balance of consumer credit in Yanji City on the consumption expenditure of urban residents in the past 15 years.It can be seen that the balance of consumer credit can positively affect the consumption expenditure of urban residents,but the impact of the disposable income of urban households on consumption expenditure is more obvious.Based on the research results,it also puts forward suggestions on optimizing the development of county consumer credit.