浅谈我国消费信贷的制约因素与发展对策

On Restricting Factors and Developing Countermeasure of Consumption Credit

消费信贷也称信用信贷,是由金融机构提供信贷,支持消费者购买消费品或进行消费活动。通过发展消费信贷,可以架起生产与消费的桥梁,疏导巨额储蓄适当向消费领域分流,解决现实购买力与消费需求不匹配的矛盾,促进社会远期购买力转化为即期购买力,从而推动我国经济的持续增长。因此,分析我国消费信贷的制约因素,研究制定发展对策,便显得格外重要。

Consumption credit is also called trustworthiness credit. Banking institutions provide credit to support consumers to buy consumer goods. By consumption credit, it can build a bridge between production and consumption, let huge savings enter consumption field, solve the problem between purchasing power and consumption needs, make forward purchasing power become subordinate immediate purchasing power and promote the substained growth of our economy. Thus, it is extremely important to analyses the restricting factors and developing countermeasure of consumption credit.