我国消费信贷服务的需求分析

Analysis on the Demand of Consumption Credit Service in Our Country

消费信贷服务作为一种商品 ,有着它的需求规律。本文以西方经济学的分析方法 ,分析了消费信贷服务需求的一般决定机制 ,并以此为依据考察了制约我国消费信贷需求的各种因素 ,得出我国消费信贷需求曲线左移使其发展滞后的结论 ,最后从消费者这个方面提出了促进我国消费信贷发展的对策。

Consumption credit service,as a commodity, has its own law of demand.This paper,based on the method of analysis of economics,analyzes the general decisive system of consumption credit service to study various factors restricting the demand of consumption credit service in China.Then it draws a conclusion that the leftward move of consumption credit service curve leads to lagging of the development of consumption credit service in our country.Finally,a policy is put forward from the consumers' point of view to accelerate the development of consumption credit service in China.