本文關(guān)鍵詞： 消費(fèi)信貸 汽車消費(fèi)需求 消費(fèi)函數(shù)　出處：《東北師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：作為消費(fèi)信貸的重要組成部分,汽車消費(fèi)信貸在歐美等發(fā)達(dá)國(guó)家已有近百年的歷史,為推動(dòng)家庭轎車的普及起到了重要作用,我國(guó)的汽車消費(fèi)貸款起步較晚,近幾年汽車消費(fèi)信貸余額雖有較大增長(zhǎng),但相對(duì)于發(fā)達(dá)國(guó)家,發(fā)展程度較低。與此同時(shí),近年來(lái)我國(guó)汽車工業(yè)得到迅猛發(fā)展,汽車銷量連續(xù)兩年刷新世界紀(jì)錄,我國(guó)成為全球汽車保有量第二大國(guó),這也帶來(lái)了能源安全、環(huán)境污染、交通管理等問(wèn)題,當(dāng)前的汽車消費(fèi)市場(chǎng)面臨著良性升級(jí)的考驗(yàn)。理論上講,汽車消費(fèi)信貸能將遠(yuǎn)期收入轉(zhuǎn)化為現(xiàn)實(shí)的購(gòu)買力,具有影響消費(fèi)需求的作用。那么,在我國(guó)特定的經(jīng)濟(jì)背景下,汽車消費(fèi)信貸在汽車消費(fèi)的發(fā)展中扮演著什么角色,能否發(fā)揮引導(dǎo)汽車消費(fèi)的作用,可否作為調(diào)整汽車消費(fèi)市場(chǎng)結(jié)構(gòu)的政策工具,這些都是值得我們研究的問(wèn)題。本文通過(guò)對(duì)消費(fèi)信貸與消費(fèi)需求相關(guān)理論進(jìn)行梳理,結(jié)合我國(guó)當(dāng)前汽車消費(fèi)信貸發(fā)展現(xiàn)狀,對(duì)汽車消費(fèi)信貸對(duì)我國(guó)汽車消費(fèi)需求的影響進(jìn)行了檢驗(yàn),進(jìn)而得出汽車消費(fèi)信貸對(duì)我國(guó)汽車消費(fèi)需求影響不顯著的結(jié)論。在此基礎(chǔ)上,對(duì)限制汽車消費(fèi)信貸發(fā)揮作用的原因進(jìn)行分析,并進(jìn)一步得出政策啟示。 全文共分為以下四部分： 第一部分為引言,主要介紹本文的選題背景、研究意義,國(guó)內(nèi)外學(xué)者的研究成果,以及整體的研究框架。 第二部分為消費(fèi)信貸與汽車消費(fèi)需求的理論基礎(chǔ)。首先明確了消費(fèi)信貸與消費(fèi)需求的相關(guān)概念,并重點(diǎn)介紹了消費(fèi)信貸影響消費(fèi)需求的相關(guān)理論,同時(shí)對(duì)汽車消費(fèi)信貸影響消費(fèi)需求的機(jī)理進(jìn)行了簡(jiǎn)要闡述。 第三部分梳理和歸納了我國(guó)汽車消費(fèi)信貸的發(fā)展現(xiàn)狀,并建立消費(fèi)函數(shù)模型,對(duì)汽車消費(fèi)信貸對(duì)汽車消費(fèi)需求的影響進(jìn)行了OLS回歸,回歸結(jié)果顯示汽車消費(fèi)信貸對(duì)汽車消費(fèi)需求的影響不顯著。 第四部分具體分析了限制汽車消費(fèi)信貸發(fā)揮作用的原因,主要從汽車消費(fèi)信貸的需求方、供給方及市場(chǎng)環(huán)境三個(gè)角度進(jìn)行分析。在此基礎(chǔ)上,針對(duì)當(dāng)前的汽車消費(fèi)市場(chǎng)面臨的主要問(wèn)題得出政策啟示。
[Abstract]:As an important part of consumer credit, automobile consumption credit has a history of nearly 100 years in developed countries, such as Europe and America, which has played an important role in promoting the popularization of family cars. Although the balance of automobile consumption credit has increased greatly in recent years, compared with the developed countries, the level of development is relatively low. At the same time, in recent years, the automobile industry of our country has been developing rapidly, and the auto sales volume has broken the world record for two years in a row. China has become the second largest country in automobile ownership in the world, which has also brought problems such as energy security, environmental pollution, traffic management and so on. The current automobile consumption market is facing the test of benign escalation. Theoretically speaking, Automobile consumption credit can transform forward income into real purchasing power and has the effect of influencing consumption demand. Then, under the specific economic background of our country, what role does automobile consumption credit play in the development of automobile consumption? Whether we can play the role of guiding automobile consumption and whether it can be used as a policy tool to adjust the structure of automobile consumption market are all worthy of our study. Combined with the current development of automobile consumption credit in China, the influence of automobile consumption credit on China's automobile consumption demand is tested, and the conclusion that automobile consumption credit has no significant influence on China's automobile consumption demand is concluded. This paper analyzes the reasons for restricting the effect of automobile consumption credit, and draws further policy implications. The full text is divided into the following four parts:. The first part is the introduction, mainly introduces the background, significance, domestic and foreign scholars' research results, as well as the overall research framework. The second part is the theoretical basis of consumer credit and automobile consumption demand. At the same time, the mechanism of automobile consumption credit influencing consumption demand is briefly expounded. The third part combs and summarizes the present situation of automobile consumption credit in our country, and establishes the consumption function model, carries on the OLS regression to the automobile consumption demand influence of the automobile consumption credit. The regression results show that the impact of automobile consumption credit on automobile consumption demand is not significant. Part 4th analyzes the reasons for restricting the function of automobile consumption credit, mainly from the demand side, supply side and market environment of automobile consumption credit. On the basis of this, the paper analyzes the reasons of restricting automobile consumption credit from three aspects: the demand side, the supply side and the market environment. In view of the current auto consumption market facing the main problems to draw policy implications.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F426.474;F832.4

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