發(fā)布時間：2018-07-25 16:17

【摘要】：目前我國經(jīng)濟正面臨著有效需求不足的矛盾，特別是消費需求長期處于較低水平，消費率比中等發(fā)達國家水平低15到20個百分點。在這種形勢下，消費信貸的研究具有重大現(xiàn)實意義。2012年9月1日，國務(wù)院辦公廳印發(fā)了《國內(nèi)貿(mào)易發(fā)展“十二五”規(guī)劃》，指出要穩(wěn)步發(fā)展消費信貸市場，有針對性地培育和鞏固消費信貸增長點，集中推進汽車、家電、教育、旅游等與改善民生密切相關(guān)的信貸消費發(fā)展。此規(guī)劃是在國家實施擴大內(nèi)需特別是消費需求戰(zhàn)略的背景下出臺的，必將推動諸如家電、教育、旅游、電子商務(wù)等領(lǐng)域消費信貸快速發(fā)展。本文首先界定了消費信貸的概念,并對消費信貸的分類進行了分析，然后介紹了關(guān)于消費信貸的一些相關(guān)理論。其次，對目前我國消費信貸市場現(xiàn)狀、消費信貸發(fā)展中存在的問題以及出現(xiàn)這些問題的原因作了深入分析。再次，，研究和總結(jié)了西方發(fā)達國家發(fā)展消費信貸的經(jīng)驗教訓(xùn)。最后，從做好消費信貸的宣傳工作，加強消費信貸中的風(fēng)險防范和管理，提高商業(yè)銀行的防范意識，建立健全消費信貸的相關(guān)制度和法規(guī)，提出了推動我國商業(yè)銀行消費信貸健康發(fā)展切實可行的對策建議。
[Abstract]:At present, our economy is facing the contradiction of insufficient effective demand, especially the consumption demand is in a low level for a long time, the consumption rate is 15 to 20 percentage points lower than that of the middle developed countries. In this situation, the study of consumer credit is of great practical significance. On September 1, 2012, the General Office of the State Council issued the 12th Five-Year Plan for the Development of domestic Trade, pointing out that the consumer credit market should be developed steadily. We should cultivate and consolidate the growth point of consumer credit, and focus on promoting the development of credit consumption which is closely related to the improvement of people's livelihood, such as automobile, household appliances, education, tourism and so on. Under the background of the national strategy to expand domestic demand, especially consumer demand, the plan will promote the rapid development of consumer credit in fields such as household appliances, education, tourism, e-commerce and so on. This paper first defines the concept of consumer credit, analyzes the classification of consumer credit, and then introduces some related theories about consumer credit. Secondly, the present situation of consumer credit market in China, the problems existing in the development of consumer credit and the reasons for these problems are deeply analyzed. Thirdly, it studies and summarizes the experience and lessons of developing consumer credit in western developed countries. Finally, from doing well the propaganda work of consumer credit, strengthening the risk prevention and management in consumer credit, raising the commercial bank's guard consciousness, establishing and perfecting the relevant system and regulations of consumer credit, The paper puts forward some feasible countermeasures and suggestions to promote the healthy development of consumer credit in Chinese commercial banks.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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